Seacoast Banking of Florida (SBCF) investor relations material

Executive summary

• Achieved strong financial performance in 2025, with net income of $144.9M (up 20%) and adjusted net income of $169.5M (up 28%).

• Completed two major acquisitions, expanding market presence and driving 37% asset growth to $20.8B.

• Maintained robust capital and liquidity, with a Tier 1 capital ratio of 14.5% and a loan-to-deposit ratio of 78%.

• Recognized for workplace excellence, including Best Places to Work and high employee engagement.

• Continued investment in scalable technology and AI readiness to support growth and efficiency.

Voting matters and shareholder proposals

• Election of five Class III directors, with nominees serving either a one-year or three-year term depending on board declassification approval.

• Proposal to amend articles of incorporation to declassify the board, moving to annual director elections by 2028.

• Advisory (non-binding) vote on executive compensation (Say on Pay).

• Ratification of Crowe LLP as independent auditor for 2026.

Board of directors and corporate governance

• Board is 79% independent, with a mix of new and tenured directors; eight new directors added since 2017.

• Five standing committees: Audit, Compensation & Governance, Corporate Development, Enterprise Risk Management, and Information Technology.

• Annual board and committee self-evaluations, succession planning, and regular board refreshment.

• Lead Independent Director and regular executive sessions without management.

• Enhanced stock ownership guidelines for directors and executives.