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  <xs:element id="sbcf_RightOfUseAssetAcquiredInAcquisition" abstract="false" name="RightOfUseAssetAcquiredInAcquisition" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseExecutiveCompensationDisallowanceAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseExecutiveCompensationDisallowanceAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_CurrentFederalTaxBenefitProvisionBeforeValuationAllowance" abstract="false" name="CurrentFederalTaxBenefitProvisionBeforeValuationAllowance" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_CurrentStateAndLocalTaxBenefitProvisionBeforeValuationAllowance" abstract="false" name="CurrentStateAndLocalTaxBenefitProvisionBeforeValuationAllowance" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_DeferredTaxAssetsOtherRealEstateOwned" abstract="false" name="DeferredTaxAssetsOtherRealEstateOwned" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_DeferredTaxAssetsOperatingLeaseLiability" abstract="false" name="DeferredTaxAssetsOperatingLeaseLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_DeferredTaxLiabilitiesDepositBaseIntangible" abstract="false" name="DeferredTaxLiabilitiesDepositBaseIntangible" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_DeferredTaxLiabilitiesDerivativesNet" abstract="false" name="DeferredTaxLiabilitiesDerivativesNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_DeferredTaxLiabilitiesOperatingLeaseRightOfUseAsset" abstract="false" name="DeferredTaxLiabilitiesOperatingLeaseRightOfUseAsset" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_UnrealizedLossesResultingInDeferredTaxAsset" abstract="false" name="UnrealizedLossesResultingInDeferredTaxAsset" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_DiscreteIncomeTaxExpenseBenefitShareBasedCompensation" abstract="false" name="DiscreteIncomeTaxExpenseBenefitShareBasedCompensation" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumerationNotDisclosedFlag" abstract="false" name="InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumerationNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="sbcf_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumerationNotDisclosedFlag" abstract="false" name="InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumerationNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="sbcf_AffordableHousingProjectTaxCredits" abstract="false" name="AffordableHousingProjectTaxCredits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_AffordableHousingProjectTaxBenefits" abstract="false" name="AffordableHousingProjectTaxBenefits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_AffordableHousingProgramObligationUnfunded" abstract="false" name="AffordableHousingProgramObligationUnfunded" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_CommonEquityTierOneLeverageCapital" abstract="false" name="CommonEquityTierOneLeverageCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_CommonEquityTierOneRiskBasedCapitalToRiskWeightedAssets" abstract="false" name="CommonEquityTierOneRiskBasedCapitalToRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="sbcf_CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacy" abstract="false" name="CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacy" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" abstract="false" name="CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="sbcf_CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalized" abstract="false" name="CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalized" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" abstract="false" name="CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="sbcf_CapitalConservationBufferRate" abstract="false" name="CapitalConservationBufferRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="sbcf_InterestAndOtherExpenses" abstract="false" name="InterestAndOtherExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_FinancialStandbyLetterOfCreditSecuredMember" abstract="true" name="FinancialStandbyLetterOfCreditSecuredMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sbcf_FinancialStandbyLetterOfCreditUnsecuredMember" abstract="true" name="FinancialStandbyLetterOfCreditUnsecuredMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sbcf_CommitmentToExtendCreditAmount" abstract="false" name="CommitmentToExtendCreditAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_UnfundedLimitedPartnerEquityCommitment" abstract="false" name="UnfundedLimitedPartnerEquityCommitment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_CollateralDependentRealEstateLoansMember" abstract="true" name="CollateralDependentRealEstateLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="sbcf_ApolloBancsharesIncMember" abstract="true" name="ApolloBancsharesIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sbcf_BusinessBankOfFloridaMember" abstract="true" name="BusinessBankOfFloridaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sbcf_SabalPalmBancorpIncMember" abstract="true" name="SabalPalmBancorpIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sbcf_BusinessAcquisitionNumberOfBranches" abstract="false" name="BusinessAcquisitionNumberOfBranches" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="sbcf_BusinessAcquisitionExchangeRatio" abstract="false" name="BusinessAcquisitionExchangeRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="sbcf_CertainLoansAcquiredinTransferNotAccountedforasDebtSecuritiesAcquiredDuringPeriodAllowanceForCreditLosses" abstract="false" name="CertainLoansAcquiredinTransferNotAccountedforasDebtSecuritiesAcquiredDuringPeriodAllowanceForCreditLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoanHeldForInvestment" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoanHeldForInvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_BusinessAcquisitionExchangeRatioMinorityInterest" abstract="false" name="BusinessAcquisitionExchangeRatioMinorityInterest" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="sbcf_SharesOfAcquiredBusinessOutstanding" abstract="false" name="SharesOfAcquiredBusinessOutstanding" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="sbcf_BusinessAcquisitionEquityInterestIssuedOrIssuableCommonStockNumberOfShares" abstract="false" name="BusinessAcquisitionEquityInterestIssuedOrIssuableCommonStockNumberOfShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="sbcf_SharesOfAcquiredBusinessMinorityInterestOutstanding" abstract="false" name="SharesOfAcquiredBusinessMinorityInterestOutstanding" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="sbcf_BusinessAcquisitionEquityInterestIssuedOrIssuableMinorityInterestNumberOfShares" abstract="false" name="BusinessAcquisitionEquityInterestIssuedOrIssuableMinorityInterestNumberOfShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="sbcf_PaymentsToAcquireFractionalShares" abstract="false" name="PaymentsToAcquireFractionalShares" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsInvestments" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsInvestments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCurrentAssetsInvestments" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCurrentAssetsInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoanHeldForInvestment" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoanHeldForInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFixedAssets" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFixedAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFixedAssets" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFixedAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedBankOwnedLifeInsurance" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedBankOwnedLifeInsurance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBankOwnedLifeInsurance" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBankOwnedLifeInsurance" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNoncurrentAssets" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNoncurrentAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoncurrentLiabilitiesDeposits" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoncurrentLiabilitiesDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentNoncurrentLiabilitiesDeposits" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentNoncurrentLiabilitiesDeposits" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSubordinatedDebt" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSubordinatedDebt" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentSubordinatedDebt" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentSubordinatedDebt" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentNoncurrentLiabilitiesOther" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentNoncurrentLiabilitiesOther" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_CoronavirusAidReliefAndEconomicSecurityActPaycheckProtectionProgramLoanMember" abstract="true" name="CoronavirusAidReliefAndEconomicSecurityActPaycheckProtectionProgramLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sbcf_CertainLoansAcquiredinTransferNotAccountedforasDebtSecuritiesAcquiredDuringPeriodatAcquisitionPurchasePrice" abstract="false" name="CertainLoansAcquiredinTransferNotAccountedforasDebtSecuritiesAcquiredDuringPeriodatAcquisitionPurchasePrice" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sbcf_CertainLoansAcquiredinTransferNotAccountedforasDebtSecuritiesAcquiredDuringPeriodDiscountPremium" abstract="false" name="CertainLoansAcquiredinTransferNotAccountedforasDebtSecuritiesAcquiredDuringPeriodDiscountPremium" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
