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Seacoast Banking Corporation of Florida competitors
and the alternatives

Last updated Oct 20, 2026 · 7 peers · 76 sources cited

Who are Seacoast Banking Corporation of Florida's competitors, and what are the alternatives?

Seacoast's 2025 10-K, filed February 27, 2026, says it competes with banks, credit unions, mortgage companies, peer-to-peer lenders, fintech companies, brokerages and mutual fund companies, and that its rivals include large out-of-state and foreign banks with an established presence in Florida. The FDIC's Summary of Deposits shows how large they are: at June 30, 2025 Bank of America held 19.88% of Florida branch deposits, Wells Fargo 10.49%, JPMorgan Chase 8.82% and Truist 8.58%, while Seacoast National Bank ranked 15th with $12.5 billion (1.46%) in 79 offices, before it absorbed Citizens First Bank, the bank of The Villages, with $3.5 billion more, in October 2025. Among Florida-based banks, BankUnited ($21.6 billion) and City National Bank of Florida ($21.5 billion) are larger in the state; SouthState (92 Florida offices) and Synovus, now part of Pinnacle (83), are similar in branch count. In commercial lending, Hancock Whitney bought Orlando's One Florida Bank in August 2026 and Fifth Third and PNC each run about 190 Florida offices. In wealth management, St. Petersburg-based Raymond James holds $38.4 billion of Florida deposits in one office and $1.92 trillion of client assets. The non-bank rivals the 10-K names (fintech companies, digital-only banks, payment platforms, private credit funds and stablecoin issuers) are clearest in everyday banking and payments: Chime had 10.4 million active members in June 2026, and Block lists banks among the competitors of Square and Cash App.[1][2][3][4][5][6][7]

Data as of Oct 20, 2026 · Seacoast Bank profile updated Oct 19, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

In its own words

What does Seacoast Bank say about its competition?

"Seacoast operates in a highly competitive environment, and Seacoast Bank's competition includes not only other banks, but also various other non-bank financial institutions, including savings and loan associations, credit unions, mortgage companies, personal and commercial financial companies, peer-to-peer lending businesses, financial technology companies, investment brokerage and financial advisory firms and mutual fund companies. Seacoast Bank competes for deposits, commercial, fiduciary and investment services and various types of loans and other financial services."[1]

"Competitors include not only financial institutions based in Florida, but also large out-of-state and foreign banks, bank holding companies and other financial institutions that have an established market presence in Florida or that offer internet-based products. Many of the Company's competitors are engaged in local, regional, national and international operations and have greater assets, personnel and other resources. Some of these competitors are subject to less regulation and/or more favorable tax treatment."[1]

"Many of these institutions have greater resources, broader geographic markets and higher lending limits, and may offer services that the Company does not offer. In addition, these institutions may be able to better afford and make broader use of media advertising, support services, and electronic and other technology. To offset these potential competitive disadvantages, the Company depends on its reputation for superior service, ability to make credit and other business decisions quickly, and the delivery of an integrated distribution of traditional branches and bankers, with digital technology."[1]

From the risk factors of the same 10-K: "Additionally, we face increasing competition from non-traditional financial service providers, including fintech companies, digital only banks, payment platforms, private credit funds, and other technology driven entrants that may be able to innovate more quickly, deliver products at lower cost, or provide differentiated digital experiences that appeal to certain customer segments." It adds: "If we fail to keep pace with these changes or if competitors deploy AI more effectively, our growth, revenue, or market position could be adversely affected." (2025 Form 10-K, filed February 27, 2026.)[1]

By business line

Who competes with Seacoast Bank in each of its businesses?

Business lineCompetitorTypeWhy it competes
Home region: Florida's deposit leadersBank of AmericaBankThe largest deposit holder in Florida: $170.8 billion, or 19.88% of the state's branch deposits, in 425 offices at June 30, 2025, more than thirteen times Seacoast's $12.5 billion.[2]
Home region: Florida's deposit leadersWells FargoBankSecond in Florida with $90.1 billion of deposits (10.49%) and the most offices of any bank in the state, 463, at June 30, 2025.[2]
Home region: Florida's deposit leadersJPMorgan ChaseBankThird in Florida with $75.8 billion of deposits (8.82%) in 419 offices at June 30, 2025; nationally it reported 74.6 million active digital customers in 2025.[2][8]
Home region: Florida's deposit leadersTruistBankFourth in Florida with $73.7 billion of deposits (8.58%) in 441 offices at June 30, 2025, and also present in Georgia, Seacoast's second state.[2][9]
Home region: Florida's deposit leadersRegions FinancialBankSeventh in Florida with $26.7 billion of deposits in 270 offices at June 30, 2025; in March 2026 it accelerated a plan for 150 new branches in Florida, Georgia and Tennessee.[2][10]
Retail deposits: Florida-based banks and digital rivalsBankUnitedBankMiami Lakes-based BankUnited held $21.6 billion of Florida deposits in 50 offices at June 30, 2025, tenth in the state and ahead of Seacoast; it is one of the 'financial institutions based in Florida' Seacoast's 10-K describes.[2][1]
Retail deposits: Florida-based banks and digital rivalsCity National Bank of FloridaBankMiami-based and owned by Chile's Bci, it held $21.5 billion of Florida deposits in 31 offices at June 30, 2025, eleventh in the state, and opened a Tampa Bay regional headquarters in July 2026.[2][11]
Retail deposits: Florida-based banks and digital rivalsEverBankBankJacksonville-based EverBank held $32.6 billion of Florida-booked deposits in 11 offices at June 30, 2025; its digital bank, launched in 1998, held $17.7 billion of deposits in about 370,000 accounts at June 30, 2026, the internet-based model Seacoast's 10-K names.[2][12][1]
Retail deposits: Florida-based banks and digital rivalsChimeFintechA digital-only bank of the kind Seacoast's 10-K lists; Chime's own 10-K claims a significant cost advantage over traditional banks by avoiding branches, and it had 10.4 million active members at June 30, 2026.[1][13][6]
Retail deposits: Florida-based banks and digital rivalsCash App (Block)FintechA payment platform of the kind Seacoast's 10-K names; Block's 2025 10-K lists banks among Cash App's competitors in peer-to-peer payments and debit cards.[1][7]
Retail deposits: Florida-based banks and digital rivalsCredit unions in FloridaCredit unionSeacoast's 10-K names credit unions among its competitors for deposits and loans and says some competitors enjoy more favorable tax treatment.[1]
Commercial and middle-market bankingSouthState BankBankSouthState held $17.3 billion of Florida deposits in 92 offices at June 30, 2025, just ahead of Seacoast, and its June 2026 deck ranks it #2 among regional banks in Central Florida, a market Seacoast grew into with Heartland.[2][14][15]
Commercial and middle-market bankingPinnacle Financial Partners (Synovus)BankSynovus Bank, merged with Pinnacle on January 1, 2026, held $11.8 billion of Florida deposits in 83 offices at June 30, 2025, close to Seacoast's 79; Pinnacle's legacy banks won 50 Coalition Greenwich awards in February 2026.[2][16][17]
Commercial and middle-market bankingHancock WhitneyBankHancock Whitney bought Orlando's One Florida Bank for $377.6 million in cash, closing on August 1, 2026, adding to the 32 Florida offices it ran at June 30, 2025.[18][4][2]
Commercial and middle-market bankingFifth Third BancorpBankFifth Third held $18.2 billion of Florida deposits in 191 offices at June 30, 2025, and in September 2026 moved Comerica banking centers in states including Florida onto its platforms.[2][19]
Commercial and middle-market bankingPNCBankPNC held $19.6 billion of Florida deposits in 190 offices at June 30, 2025, twelfth in the state, one of the large out-of-state banks Seacoast's 10-K describes as having higher lending limits.[2][1]
Small business banking and merchant servicesBank of AmericaBankBank of America calls itself the number one small business lender in the US, citing FDIC data, and serves 4 million small businesses; Seacoast offers SBA lending, equipment loans and owner-occupied real estate to small businesses.[20][21]
Small business banking and merchant servicesSquare (Block)Payments companyBlock's 10-K lists banks that provide payment processing, checking, savings, loans and payroll among Square's competitors; Seacoast sells merchant services, payroll processing and remote deposit capture to businesses.[7][21]
Wealth management, trust and investmentsRaymond JamesBroker or asset managerSt. Petersburg-based Raymond James held $38.4 billion of Florida deposits in a single office at June 30, 2025, fifth in the state, and $1.92 trillion of client assets in July 2026; Seacoast's 10-K names investment brokerage and financial advisory firms as competitors, and its own assets under management were $2.8 billion at December 31, 2025.[2][5][1]
AI offerings compared

How do the AI and digital offerings of Seacoast Bank's competitors compare?

Seacoast Bank first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

CompanyAI or digital offeringOn the record (our profiles)Latest dated AI move
Seacoast Banking Corporation of Florida (this page)Quavo agentic dispute management and Seacoast's AI-information page[22][21][23]Index 42.1 (#67); 11 use cases, 10 in productionAbrigo publishes Seacoast loan-review AI case study (Oct 8, 2026)[24]
Bank of AmericaErica virtual assistant: more than 24.6 million clients helped; 3.6 billion interactions since 2018[20]Index 97.3 (#1); 18 use cases, 16 in productionTreasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026)[25][26][27]
Wells FargoFargo virtual assistant: more than 1 billion interactions in under three years (March 2026)[28]Index 88.8 (#7); 16 use cases, 13 in productionQ3 2026 call: AI agents in code, marketing, cyber, underwriting (Oct 13, 2026)[29][30]
JPMorgan ChaseLLM Suite[31][32]Index 89 (#6); 15 use cases, 8 in productionQ3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026)[33][34][35]
TruistTruist Assist chatbot: 12.5 million+ requests from 2023 to March 2026[36]Index 82.6 (#16); 15 use cases, 13 in productionMid-table on AI-judged reputation (Sep 18, 2026)[37]
Regions FinancialIn-house native app (July 2025) with personalized insights; 2.7 million active mobile users[38][39]Index 83.8 (#15); 15 use cases, 13 in productionCore deposits planned for 2027 (Oct 6, 2026)[40]
BankUnitedSAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre[41][42][43][44][45]Index 63.5 (#44); 15 use cases, 10 in productionQ2 2026 10-Q has no AI discussion (Aug 6, 2026)[46]
City National Bank of FloridaNot disclosedIndex 26.9 (#91); 9 use cases, 9 in productionResidential lending strategy and Polly pricing engine (Jul 28, 2026)[47]
EverBankNot disclosedIndex 3.3 (#109); 5 use cases, 0 in productionFederal Register notice of the Federal Reserve application (Oct 13, 2026)[48]
ChimeJade, an in-app AI financial partner available to some members[49]8 use cases, 6 in productionAgreement to acquire Stride Bank (Sep 8, 2026)[50]
Cash App (Block)Moneybot consumer agent: over 1 million weekly engaged accounts (June 30, 2026)[51]7 use cases, 6 in productionQ2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026)[51]
Credit unions in FloridaNot disclosedNo profileNot disclosed
SouthState BankCopilot at scale, tested models, and Fiserv agentOS agents[52][53][54]Index 70.9 (#33); 20 use cases, 10 in productionQ3 2026 results scheduled (Oct 2, 2026)[55]
Pinnacle Financial Partners (Synovus)A head of AI and 13 AI initiatives, including credit intelligence to shorten application-to-closing time[56][57]Index 65.3 (#42); 12 use cases, 9 in productionChief digital officer: 200,000-plus customers move to a new app in March 2027 (Oct 1, 2026)[58]
Hancock WhitneyMX-powered digital banking modernisation[59][60][61][62][63]Index 37.4 (#78); 11 use cases, 5 in production'AI is raising business cyber risk' guidance (Sep 9, 2026)[62]
Fifth Third BancorpJeanie and the Newline MCP server[64][65][66]Index 84 (#14); 13 use cases, 10 in productionAI chief Jay Budzik describes the lending-model upgrade (Oct 12, 2026)[67]
PNCPNC AI factory[68][69][70][71]Index 68.2 (#38); 14 use cases, 8 in productionHead of ATM Banking hired with an AI mandate (Sep 25, 2026)[72]
Square (Block)Managerbot, an AI business agent for Square sellers[73]7 use cases, 6 in productionQ2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026)[51]
Raymond JamesAdvisor tools including AI Search and the Rai operations agent; a chief AI officer since 2025[74]Index 84.5 (#12); 16 use cases, 14 in productionMeta's Muse reignites the AI selloff (Sep 22, 2026)[75]
Alternatives

Who should look beyond Seacoast Bank, and where?

If you areLook atWhy
Customers who want an AI virtual assistant in the banking appBank of America (Erica), Wells Fargo (Fargo) or Truist (Truist Assist)Seacoast has disclosed no customer-facing AI assistant; its AI runs in disputes and loan review. Erica helps more than 24.6 million clients, Fargo passed 1 billion interactions in March 2026, and Truist Assist logged 12.5 million+ requests from 2023 to March 2026. All three hold more Florida deposits than Seacoast.[21][22][20][28][36][2]
People who need branches outside Florida and GeorgiaJPMorgan Chase or Bank of AmericaSeacoast's 104 full-service branches are in Florida plus a first location in Woodstock, Georgia (December 31, 2025). Chase reported 5,083 branches in 2025 and Bank of America runs 3,500 financial centers in more than 100 US markets.[1][8][20]
Customers who want a branchless, app-only accountChimeSeacoast's 10-K describes its model as branches and bankers delivered with digital technology. Chime avoids branches altogether, had 10.4 million active members at June 30, 2026, and offers some members Jade, an in-app AI financial partner.[1][13][6][49]
Investors who want a national brokerage and advisor networkRaymond JamesSeacoast's wealth division managed $2.8 billion at December 31, 2025, up 37% in a year. Raymond James, also Florida-based, reported $1.92 trillion of client assets in July 2026 and has a chief AI officer and advisor AI tools.[1][5][74]
Sellers who want card acceptance and point-of-sale software from one providerSquare (Block)Seacoast offers merchant services, payroll and remote deposit capture as bank treasury products. Block's 10-K positions Square as a full ecosystem against banks that provide payment processing, checking, savings, loans and payroll, and Square sellers can use Managerbot, an AI agent.[21][7][73]
Florida deposit share

Where does Seacoast rank by deposits in Florida, and who is bigger?

Branch deposits booked in Florida at June 30, 2025, from the FDIC's Summary of Deposits, summed by bank. Deposits booked at a single headquarters office (Raymond James, EverBank) include accounts gathered nationally. The Villages' Citizens First Bank, which Seacoast bought on October 1, 2025, is shown separately.

RankBankFlorida depositsShareOffices
1Bank of America$170.8 billion19.88%425[2]
2Wells Fargo$90.1 billion10.49%463[2]
3JPMorgan Chase$75.8 billion8.82%419[2]
4Truist$73.7 billion8.58%441[2]
5Raymond James Bank$38.4 billion4.46%1[2]
7Regions$26.7 billion3.10%270[2]
10BankUnited$21.6 billion2.52%50[2]
11City National Bank of Florida$21.5 billion2.51%31[2]
14SouthState$17.3 billion2.02%92[2]
15Seacoast National Bank$12.5 billion1.46%79[2]
16Synovus (now Pinnacle)$11.8 billion1.37%83[2]
29Citizens First Bank (acquired by Seacoast, October 2025)$3.5 billion0.40%20[2][3]
Customer AI among Florida's largest banks

How do the customer AI assistants of Seacoast's largest Florida rivals compare?

The four largest deposit holders in Florida, and what each has disclosed about a customer-facing AI assistant, against Seacoast.

BankFlorida deposit rank (June 2025)Customer AI assistantScale disclosed
Bank of America1stErica (since 2018)More than 24.6 million clients helped; 3.6 billion interactions[2][20]
Wells Fargo2ndFargoMore than 1 billion interactions in under three years (March 2026)[2][28]
JPMorgan Chase3rdNo consumer assistant launched; a consumer travel agent targeted for pilot before end-202674.6 million active digital customers (2025)[2][76][8]
Truist4thTruist Assist12.5 million+ requests from 2023 to March 2026[2][36]
Seacoast15thNone disclosed; agentic AI used in disputes (Quavo, December 2025)Not disclosed[2][22][21]
Common questions

Who are Seacoast Bank's biggest competitors?

By Florida deposits, the national banks: Bank of America (19.88% of Florida branch deposits at June 30, 2025), Wells Fargo (10.49%), JPMorgan Chase (8.82%) and Truist (8.58%). Among Florida-based and regional banks, BankUnited, City National Bank of Florida, SouthState and Pinnacle (through Synovus) are the closest. Seacoast ranked 15th with 1.46%.[2]

Is BankUnited a competitor of Seacoast?

Yes. Both are Florida-based; BankUnited held $21.6 billion of Florida deposits in 50 offices at June 30, 2025, against Seacoast's $12.5 billion in 79 offices. Seacoast's 10-K names Florida-based institutions among its competitors. On AI, BankUnited scores 63.5 on this site's index and Seacoast 42.1.[2][1]

Is Chime a competitor of Seacoast Bank?

By category, yes: Seacoast's 2025 10-K names digital-only banks and fintech companies among its non-traditional competitors, and Chime's 10-K says its digital model gives it a cost advantage over traditional banks. Chime had 10.4 million active members at June 30, 2026. Neither company names the other.[1][13][6]

What are alternatives to Seacoast for small business banking?

Bank of America says it is the number one US small business lender (FDIC data), serving 4 million small businesses, and Square sells payments, point-of-sale software and banking to sellers. Seacoast itself offers SBA lending, equipment loans, merchant services and payroll processing, and its 10-K says it competes on quick credit decisions.[20][7][21][1]

How does Seacoast compare with SouthState in Florida?

They are close in Florida. At June 30, 2025 SouthState held $17.3 billion of Florida deposits in 92 offices and Seacoast $12.5 billion in 79, before Seacoast added Citizens First's $3.5 billion in October 2025. SouthState ranks #2 among regional banks in Central Florida; on AI it scores 70.9 on this site's index against Seacoast's 42.1.[2][3][14]

Who competes with Seacoast in wealth management?

Seacoast's 10-K names investment brokerage and financial advisory firms and mutual fund companies. The largest Florida-based one is Raymond James, with $1.92 trillion of client assets in July 2026 and $38.4 billion of Florida-booked deposits. Seacoast's wealth division managed $2.8 billion at December 31, 2025, up 37% in a year.[1][5][2]

Does Seacoast see AI as a competitive threat?

Its 2025 10-K says customers increasingly expect AI-enabled convenience, personalization and decisioning, and that 'if competitors deploy AI more effectively', its growth, revenue or market position could suffer. It also says many competitors invest substantially greater resources in technology. Seacoast's own AI runs in dispute handling and loan review.[1][22][24]

Who competes with Seacoast in Central Florida and The Villages?

Seacoast entered The Villages by buying Citizens First Bank, which held $3.5 billion of deposits in 20 offices at June 30, 2025, and added four Central Florida branches with Heartland in July 2025. In Central Florida, SouthState ranks #2 among regional banks, Hancock Whitney bought Orlando's One Florida Bank in August 2026, and City National Bank of Florida is expanding statewide.[2][3][1][14][4][11]

Peers on this site
BankUnited AI strategy →How BankUnited compares with its peers →SouthState AI strategy →How SouthState Bank compares with its peers →City National Florida AI strategy →How City National Bank of Florida compares with its peers →Hancock Whitney AI strategy →How Hancock Whitney compares with its peers →Ameris AI strategy →How Ameris Bancorp compares with its peers →United Community AI strategy →How United Community Banks compares with its peers →Pinnacle AI strategy →How Pinnacle Financial Partners compares with its peers →
Competitor pages on this site
Bank of America AI strategy →Competitors of that bank →Wells Fargo AI strategy →Competitors of that bank →JPMorgan AI strategy →Competitors of that bank →Truist AI strategy →Competitors of that bank →Regions AI strategy →Competitors of that bank →BankUnited AI strategy →Competitors of that bank →City National Florida AI strategy →Competitors of that bank →EverBank AI strategy →Competitors of that bank →Chime AI strategy →Block (Square, Cash App) AI strategy →SouthState AI strategy →Competitors of that bank →Pinnacle AI strategy →Competitors of that bank →Hancock Whitney AI strategy →Competitors of that bank →Fifth Third AI strategy →Competitors of that bank →PNC AI strategy →Competitors of that bank →Block (Square, Cash App) AI strategy →Raymond James AI strategy →Competitors of that bank →
Deeper on Seacoast Bank
Seacoast Bank AI strategy: the full profile →How Seacoast Banking Corporation of Florida compares with its peers on AI →Seacoast Bank AI profile →Seacoast vs peers on AI →BankUnited AI profile →SouthState AI profile →Chime AI profile →AI disclosure index: the largest US banks ranked →Which banks lead in AI, topic by topic →
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  68. Why PNC is building its own 'AI factory'
    American Banker · Jun 11, 2026
  69. PNC's solution to rising AI costs: build its own AI
    American Banker · Jun 12, 2026
  70. PNC's New Mobile App Delivers an Intuitive, Personalized Experience to Help Clients Seamlessly Manage Their Day-to-Day Financial Lives
    PNC via FT Markets · Jul 7, 2026
  71. PNC at Barclays conference: growth, AI and branch push (transcript)
    Investing.com · Sep 14, 2026
  72. Mark Williamson hired as Head of ATM Banking
    Columbus Business First (bizjournals.com) · Sep 25, 2026
  73. Square Brings Managerbot to More Sellers, Giving Main Street an Intelligent Business Agent
    Square · Apr 28, 2026
  74. Raymond James Financial Annual Report on Form 10-K for the fiscal year ended September 30, 2025
    Raymond James Financial (SEC filings) · Nov 25, 2025
  75. Meta's Muse reignites AI disruption fears. Traders are targeting this brokerage stock as next casualty
    CNBC · Sep 23, 2026
  76. JPMorgan's Lake sees longer road to agentic commerce adoption
    Banking Dive · Jun 10, 2026

When Seacoast Bank or its peers move on AI, you'll read it here first.

when one of the banks we cover moves on AI, it is in the next morning's brief · six sourced stories · 7 am PT · free

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