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Regulatory Capital | 12 Months Ended
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Dec. 31, 2024
Banking And Thrift Disclosure [Abstract] |
Regulatory Capital | Note 13 - Regulatory Capital Required Regulatory Capital The Company is subject to various regulatory capital requirements administered by the Federal banking agencies. Failure to meet the minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by the regulators, which could have a direct material impact on the financial statements. These requirements involve quantitative measures of assets, liabilities and certain off-balance sheet items calculated pursuant to regulatory guidance. The Company's capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios of total, Tier 1 capital and common equity Tier 1 capital to risk-weighted assets and of Tier 1 capital to average assets, all as defined in the regulations. At December 31, 2024 and 2023, the Company and Seacoast Bank, its wholly-owned banking subsidiary, were both considered “well-capitalized” based on the applicable U.S. regulatory capital ratio requirements as reflected in the table below:
|  |  |  |  |  | Minimum to meet “Well Capitalized” Requirements |  | Minimum for Capital Adequacy Purpose 1 |
(Dollars in thousands) |  | Amount |  | Ratio |  | Amount |  |  | Ratio |  | Amount |  |  | Ratio |
Seacoast Banking Corporation of Florida |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Consolidated) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
At December 31, 2024: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Risk-Based Capital Ratio |  | $ | 1,785,247 |  |  | 16.18 | % |  | N/A |  |  | N/A |  | $ | 882,582 |  |  | ≥ | 8.00 | % |
Tier 1 Capital Ratio |  | 1,633,819 |  |  | 14.81 |  |  | N/A |  |  | N/A |  | 661,937 |  |  | ≥ | 6.00 |  |
Common Equity Tier 1 Capital Ratio |  | 1,561,325 |  |  | 14.15 |  |  | N/A |  |  | N/A |  | 496,453 |  |  | ≥ | 4.50 |  |
Leverage Ratio |  | 1,633,819 |  |  | 11.19 |  |  | N/A |  |  | N/A |  | 584,274 |  |  | ≥ | 4.00 |  |
At December 31, 2023: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Risk-Based Capital Ratio |  | $ | 1,713,797 |  |  | 15.92 | % |  | N/A |  |  | N/A |  | $ | 861,355 |  |  | ≥ | 8.00 | % |
Tier 1 Capital Ratio |  | 1,565,710 |  |  | 14.54 |  |  | N/A |  |  | N/A |  | 646,017 |  |  | ≥ | 6.00 |  |
Common Equity Tier 1 Capital Ratio |  | 1,493,499 |  |  | 13.87 |  |  | N/A |  |  | N/A |  | 484,512 |  |  | ≥ | 4.50 |  |
Leverage Ratio |  | 1,565,710 |  |  | 11.00 |  |  | N/A |  |  | N/A |  | 569,317 |  |  | ≥ | 4.00 |  |
Seacoast National Bank |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(A Wholly Owned Bank Subsidiary) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
At December 31, 2024: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Risk-Based Capital Ratio |  | $ | 1,685,451 |  |  | 15.30 | % |  | $ | 1,101,383 |  |  | ≥ | 10.00 | % |  | $ | 881,106 |  |  | ≥ | 8.00 | % |
Tier 1 Capital Ratio |  | 1,555,986 |  |  | 14.13 |  |  | 881,106 |  |  | ≥ | 8.00 |  |  | 660,830 |  |  | ≥ | 6.00 |  |
Common Equity Tier 1 Capital Ratio |  | 1,555,980 |  |  | 14.13 |  |  | 715,899 |  |  | ≥ | 6.50 |  |  | 495,622 |  |  | ≥ | 4.50 |  |
Leverage Ratio |  | 1,555,986 |  |  | 10.66 |  |  | 729,699 |  |  | ≥ | 5.00 |  |  | 583,760 |  |  | ≥ | 4.00 |  |
At December 31, 2023: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Risk-Based Capital Ratio |  | $ | 1,593,431 |  |  | 14.82 | % |  | $ | 1,075,494 |  |  | ≥ | 10.00 | % |  | $ | 860,395 |  |  | ≥ | 8.00 | % |
Tier 1 Capital Ratio |  | 1,466,878 |  |  | 13.64 |  |  | 860,395 |  |  | ≥ | 8.00 |  |  | 645,296 |  |  | ≥ | 6.00 |  |
Common Equity Tier 1 Capital Ratio |  | 1,466,874 |  |  | 13.64 |  |  | 699,071 |  |  | ≥ | 6.50 |  |  | 483,972 |  |  | ≥ | 4.50 |  |
Leverage Ratio |  | 1,466,878 |  |  | 10.32 |  |  | 711,039 |  |  | ≥ | 5.00 |  |  | 568,831 |  |  | ≥ | 4.00 |  |
1 Excludes the Basel III capital conservation buffer of 2.5%, which if not exceeded may constrain dividends, equity repurchases and compensation.
N/A - not applicable.

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- Definition The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1D -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1D Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1A -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1A Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1F -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1F + Details
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