# Seacoast Banking Corporation of Florida competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/seacoast/competitors
Last updated: Oct 20, 2026

*Part of the [Seacoast Banking Corporation of Florida AI strategy profile](https://www.bankingnewsai.com/banks/seacoast). Peer group: BankUnited, SouthState Bank, City National Bank of Florida, Hancock Whitney, Ameris Bancorp, United Community Banks, Pinnacle Financial Partners.*

## 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. ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000073070825000204/sbcfpressrelease20251001.htm), [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/hancock-whitney-completes-one-florida-123000979.html), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=1330-9766630en-5NLGV91Q1CIFMSON0VQ2F8FEAD), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm))

## 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." ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm))

"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." ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm))

"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." ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm))

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.) ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm))

## Who competes with Seacoast Bank in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: Florida's deposit leaders | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | The 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. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000)) |
| Home region: Florida's deposit leaders | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Bank | Second 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. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000)) |
| Home region: Florida's deposit leaders | [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Bank | Third 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. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm)) |
| Home region: Florida's deposit leaders | [Truist](https://www.bankingnewsai.com/banks/truist) | Bank | Fourth 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. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm)) |
| Home region: Florida's deposit leaders | [Regions Financial](https://www.bankingnewsai.com/banks/regions) | Bank | Seventh 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. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [Banking Dive](https://www.bankingdive.com/news/regions-bank-branches-florida-georgia-tennessee/814665/)) |
| Retail deposits: Florida-based banks and digital rivals | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | Bank | Miami 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. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm)) |
| Retail deposits: Florida-based banks and digital rivals | [City National Bank of Florida](https://www.bankingnewsai.com/banks/city-national-florida) | Bank | Miami-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. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [City National Bank of Florida](https://www.citynational.com/post/new-tampa-bay-headquarters)) |
| Retail deposits: Florida-based banks and digital rivals | [EverBank](https://www.bankingnewsai.com/banks/everbank) | Bank | Jacksonville-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. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [SEC (WaFd, Inc. 8-K)](https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-2.htm), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm)) |
| Retail deposits: Florida-based banks and digital rivals | [Chime](https://www.bankingnewsai.com/fintech/chime) | Fintech | A 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. ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results)) |
| Retail deposits: Florida-based banks and digital rivals | [Cash App (Block)](https://www.bankingnewsai.com/fintech/block) | Fintech | A 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. ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm)) |
| Retail deposits: Florida-based banks and digital rivals | Credit unions in Florida | Credit union | Seacoast's 10-K names credit unions among its competitors for deposits and loans and says some competitors enjoy more favorable tax treatment. ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm)) |
| Commercial and middle-market banking | [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | Bank | SouthState 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. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000073070825000152/sbcfpressrelease20250711.htm)) |
| Commercial and middle-market banking | [Pinnacle Financial Partners (Synovus)](https://www.bankingnewsai.com/banks/pinnacle) | Bank | Synovus 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. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-financial-partners-earns-a-combined-50-coalition-greenwich-best-bank-awards-more-than-any-other-bank-in-the-country)) |
| Commercial and middle-market banking | [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | Bank | Hancock 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. ([American Banker](https://www.americanbanker.com/news/hancock-whitney-inks-deal-to-buy-orlando-community-bank), [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/hancock-whitney-completes-one-florida-123000979.html), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000)) |
| Commercial and middle-market banking | [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | Bank | Fifth 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. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html)) |
| Commercial and middle-market banking | [PNC](https://www.bankingnewsai.com/banks/pnc) | Bank | PNC 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. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm)) |
| Small business banking and merchant services | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | Bank 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. ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Seacoast Bank](https://www.seacoastbank.com/ai-information)) |
| Small business banking and merchant services | [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Payments company | Block'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. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Seacoast Bank](https://www.seacoastbank.com/ai-information)) |
| Wealth management, trust and investments | [Raymond James](https://www.bankingnewsai.com/banks/raymond-james) | Broker or asset manager | St. 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. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=1330-9766630en-5NLGV91Q1CIFMSON0VQ2F8FEAD), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm)) |

## 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.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [Seacoast Banking Corporation of Florida (this page)](https://www.bankingnewsai.com/banks/seacoast) | Quavo agentic dispute management and Seacoast's AI-information page ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Seacoast Bank](https://www.seacoastbank.com/ai-information), [Seacoast Bank](https://seacoastbank.com/resource-center/business-insights/business-fraud/protect-your-business-from-business-email-compromise)) | [Index 42.1 (#67); 11 use cases, 10 in production](https://www.bankingnewsai.com/banks/seacoast) | Abrigo publishes Seacoast loan-review AI case study (Oct 8, 2026) ([Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/)) |
| [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Erica virtual assistant: more than 24.6 million clients helped; 3.6 billion interactions since 2018 ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) | [Index 97.3 (#1); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/bank-of-america) | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026) ([U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0657), [Office of the Comptroller of the Currency](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html), [Banking Dive](https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915)) |
| [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Fargo virtual assistant: more than 1 billion interactions in under three years (March 2026) ([Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones)) | [Index 88.8 (#7); 16 use cases, 13 in production](https://www.bankingnewsai.com/banks/wells-fargo) | Q3 2026 call: AI agents in code, marketing, cyber, underwriting (Oct 13, 2026) ([PYMNTS](https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets), [Wells Fargo](https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf)) |
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | LLM Suite ([American Banker](https://www.americanbanker.com/news/how-jpmorganchase-democratized-employee-access-to-gen-ai), [American Banker](https://www.americanbanker.com/video/wib-2025/driving-ai-use-cases-and-adoption-aligning-business-value-data-readiness-and-risk-management)) | [Index 89 (#6); 15 use cases, 8 in production](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026) ([CNBC](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [American Banker](https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents)) |
| [Truist](https://www.bankingnewsai.com/banks/truist) | Truist Assist chatbot: 12.5 million+ requests from 2023 to March 2026 ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm)) | [Index 82.6 (#16); 15 use cases, 13 in production](https://www.bankingnewsai.com/banks/truist) | Mid-table on AI-judged reputation (Sep 18, 2026) ([American Banker](https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh)) |
| [Regions Financial](https://www.bankingnewsai.com/banks/regions) | In-house native app (July 2025) with personalized insights; 2.7 million active mobile users ([Banking Dive](https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/), [PYMNTS](https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/)) | [Index 83.8 (#15); 15 use cases, 13 in production](https://www.bankingnewsai.com/banks/regions) | Core deposits planned for 2027 (Oct 6, 2026) ([ABA Banking Journal](https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores)) |
| [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | SAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/), [Talkdesk](https://www.talkdesk.com/news-and-press/press-releases/talkdesk-cxa/), [Talkdesk](https://www.talkdesk.com/customers/bankunited/), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm)) | [Index 63.5 (#44); 15 use cases, 10 in production](https://www.bankingnewsai.com/banks/bankunited) | Q2 2026 10-Q has no AI discussion (Aug 6, 2026) ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000079/bku-20260630.htm)) |
| [City National Bank of Florida](https://www.bankingnewsai.com/banks/city-national-florida) | Not disclosed | [Index 26.9 (#91); 9 use cases, 9 in production](https://www.bankingnewsai.com/banks/city-national-florida) | Residential lending strategy and Polly pricing engine (Jul 28, 2026) ([HousingWire](https://housingwire.com/videos/the-new-york-sessions-city-national-bank-of-floridas-service-first-growth-strategy)) |
| [EverBank](https://www.bankingnewsai.com/banks/everbank) | Not disclosed | [Index 3.3 (#109); 5 use cases, 0 in production](https://www.bankingnewsai.com/banks/everbank) | Federal Register notice of the Federal Reserve application (Oct 13, 2026) ([Federal Register](https://www.federalregister.gov/d/2026-20887)) |
| [Chime](https://www.bankingnewsai.com/fintech/chime) | Jade, an in-app AI financial partner available to some members ([Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) | [8 use cases, 6 in production](https://www.bankingnewsai.com/fintech/chime) | Agreement to acquire Stride Bank (Sep 8, 2026) ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank)) |
| [Cash App (Block)](https://www.bankingnewsai.com/fintech/block) | Moneybot consumer agent: over 1 million weekly engaged accounts (June 30, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/block) | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) |
| Credit unions in Florida | Not disclosed | No profile | Not disclosed |
| [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | Copilot at scale, tested models, and Fiserv agentOS agents ([SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [American Banker](https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) | [Index 70.9 (#33); 20 use cases, 10 in production](https://www.bankingnewsai.com/banks/southstate) | Q3 2026 results scheduled (Oct 2, 2026) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm)) |
| [Pinnacle Financial Partners (Synovus)](https://www.bankingnewsai.com/banks/pinnacle) | A head of AI and 13 AI initiatives, including credit intelligence to shorten application-to-closing time ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript)) | [Index 65.3 (#42); 12 use cases, 9 in production](https://www.bankingnewsai.com/banks/pinnacle) | Chief digital officer: 200,000-plus customers move to a new app in March 2027 (Oct 1, 2026) ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |
| [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | MX-powered digital banking modernisation ([American Banker](https://digital-banking.americanbanker.com/profile/nate-gardner), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Hancock Whitney](https://www.hancockwhitney.com/newsroom/hancock-whitney-expands-offering-with-free-greenlight-subscription-for-clients), [Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) | [Index 37.4 (#78); 11 use cases, 5 in production](https://www.bankingnewsai.com/banks/hancock-whitney) | 'AI is raising business cyber risk' guidance (Sep 9, 2026) ([Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider)) |
| [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | Jeanie and the Newline MCP server ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1), [Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html)) | [Index 84 (#14); 13 use cases, 10 in production](https://www.bankingnewsai.com/banks/fifth-third) | AI chief Jay Budzik describes the lending-model upgrade (Oct 12, 2026) ([Northwestern McCormick School of Engineering](https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html)) |
| [PNC](https://www.bankingnewsai.com/banks/pnc) | PNC AI factory ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [American Banker](https://www.americanbanker.com/news/pncs-solution-to-rising-ai-costs-build-its-own-ai), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1), [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299)) | [Index 68.2 (#38); 14 use cases, 8 in production](https://www.bankingnewsai.com/banks/pnc) | Head of ATM Banking hired with an AI mandate (Sep 25, 2026) ([Columbus Business First (bizjournals.com)](https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson)) |
| [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Managerbot, an AI business agent for Square sellers ([Square](https://squareup.com/us/en/press/managerbot-open-beta)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/block) | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) |
| [Raymond James](https://www.bankingnewsai.com/banks/raymond-james) | Advisor tools including AI Search and the Rai operations agent; a chief AI officer since 2025 ([Raymond James Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720005/000072000525000093/rjf-20250930.htm)) | [Index 84.5 (#12); 16 use cases, 14 in production](https://www.bankingnewsai.com/banks/raymond-james) | Meta's Muse reignites the AI selloff (Sep 22, 2026) ([CNBC](https://www.cnbc.com/2026/09/23/metas-muse-ai-causes-schwab-selloff.html)) |

## Who should look beyond Seacoast Bank, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Customers who want an AI virtual assistant in the banking app | [Bank of America (Erica), Wells Fargo (Fargo) or Truist (Truist Assist)](https://www.bankingnewsai.com/banks/bank-of-america) | 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. ([Seacoast Bank](https://www.seacoastbank.com/ai-information), [Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000)) |
| People who need branches outside Florida and Georgia | [JPMorgan Chase or Bank of America](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Seacoast'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. ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Customers who want a branchless, app-only account | [Chime](https://www.bankingnewsai.com/fintech/chime) | Seacoast'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. ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) |
| Investors who want a national brokerage and advisor network | [Raymond James](https://www.bankingnewsai.com/banks/raymond-james) | Seacoast'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. ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=1330-9766630en-5NLGV91Q1CIFMSON0VQ2F8FEAD), [Raymond James Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720005/000072000525000093/rjf-20250930.htm)) |
| Sellers who want card acceptance and point-of-sale software from one provider | [Square (Block)](https://www.bankingnewsai.com/fintech/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. ([Seacoast Bank](https://www.seacoastbank.com/ai-information), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Square](https://squareup.com/us/en/press/managerbot-open-beta)) |

## 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.

| Rank | Bank | Florida deposits | Share | Offices |
| --- | --- | --- | --- | --- |
| 1 | Bank of America | $170.8 billion | 19.88% | 425 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000)) |
| 2 | Wells Fargo | $90.1 billion | 10.49% | 463 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000)) |
| 3 | JPMorgan Chase | $75.8 billion | 8.82% | 419 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000)) |
| 4 | Truist | $73.7 billion | 8.58% | 441 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000)) |
| 5 | Raymond James Bank | $38.4 billion | 4.46% | 1 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000)) |
| 7 | Regions | $26.7 billion | 3.10% | 270 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000)) |
| 10 | BankUnited | $21.6 billion | 2.52% | 50 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000)) |
| 11 | City National Bank of Florida | $21.5 billion | 2.51% | 31 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000)) |
| 14 | SouthState | $17.3 billion | 2.02% | 92 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000)) |
| 15 | Seacoast National Bank | $12.5 billion | 1.46% | 79 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000)) |
| 16 | Synovus (now Pinnacle) | $11.8 billion | 1.37% | 83 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000)) |
| 29 | Citizens First Bank (acquired by Seacoast, October 2025) | $3.5 billion | 0.40% | 20 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000073070825000204/sbcfpressrelease20251001.htm)) |

## 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.

| Bank | Florida deposit rank (June 2025) | Customer AI assistant | Scale disclosed |
| --- | --- | --- | --- |
| Bank of America | 1st | Erica (since 2018) | More than 24.6 million clients helped; 3.6 billion interactions ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Wells Fargo | 2nd | Fargo | More than 1 billion interactions in under three years (March 2026) ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones)) |
| JPMorgan Chase | 3rd | No consumer assistant launched; a consumer travel agent targeted for pilot before end-2026 | 74.6 million active digital customers (2025) ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-chase-lake-agentic-ai-commerce-adoption/822426), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm)) |
| Truist | 4th | Truist Assist | 12.5 million+ requests from 2023 to March 2026 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm)) |
| Seacoast | 15th | None disclosed; agentic AI used in disputes (Quavo, December 2025) | Not disclosed ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Seacoast Bank](https://www.seacoastbank.com/ai-information)) |

## 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%. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000))

### 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. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm))

### 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. ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results))

### 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. ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Seacoast Bank](https://www.seacoastbank.com/ai-information), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm))

### 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. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000073070825000204/sbcfpressrelease20251001.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm))

### 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. ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=1330-9766630en-5NLGV91Q1CIFMSON0VQ2F8FEAD), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000))

### 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. ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/))

### 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. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000073070825000204/sbcfpressrelease20251001.htm), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/hancock-whitney-completes-one-florida-123000979.html), [City National Bank of Florida](https://www.citynational.com/post/new-tampa-bay-headquarters))

## Peers on this site

- [BankUnited AI strategy](https://www.bankingnewsai.com/banks/bankunited) · [vs peers](https://www.bankingnewsai.com/banks/bankunited/vs-peers)
- [SouthState Bank AI strategy](https://www.bankingnewsai.com/banks/southstate) · [vs peers](https://www.bankingnewsai.com/banks/southstate/vs-peers)
- [City National Bank of Florida AI strategy](https://www.bankingnewsai.com/banks/city-national-florida) · [vs peers](https://www.bankingnewsai.com/banks/city-national-florida/vs-peers)
- [Hancock Whitney AI strategy](https://www.bankingnewsai.com/banks/hancock-whitney) · [vs peers](https://www.bankingnewsai.com/banks/hancock-whitney/vs-peers)
- [Ameris Bancorp AI strategy](https://www.bankingnewsai.com/banks/ameris) · [vs peers](https://www.bankingnewsai.com/banks/ameris/vs-peers)
- [United Community Banks AI strategy](https://www.bankingnewsai.com/banks/united-community) · [vs peers](https://www.bankingnewsai.com/banks/united-community/vs-peers)
- [Pinnacle Financial Partners AI strategy](https://www.bankingnewsai.com/banks/pinnacle) · [vs peers](https://www.bankingnewsai.com/banks/pinnacle/vs-peers)

## Sources

1. Seacoast Banking Corporation of Florida Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Seacoast Banking Corporation of Florida (SEC filings), Feb 27, 2026. https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm
2. Summary of Deposits: branch deposits in Florida, June 30, 2025 (BankFind API query, all institutions) — FDIC, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=STALPBR%3AFL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000
3. Seacoast Completes Acquisition of Villages Bancorporation, Inc. (Form 8-K, Exhibit 99.1) — Seacoast Banking Corporation of Florida (SEC filings), Oct 1, 2025. https://www.sec.gov/Archives/edgar/data/730708/000073070825000204/sbcfpressrelease20251001.htm
4. Hancock Whitney Completes One Florida Bank Acquisition — Business Wire via Yahoo Finance, Aug 3, 2026. https://finance.yahoo.com/markets/stocks/articles/hancock-whitney-completes-one-florida-123000979.html
5. Raymond James Financial Reports Fiscal Third Quarter of 2026 Results — GlobeNewswire via FT Markets, Jul 22, 2026. https://markets.ft.com/data/announce/full?dockey=1330-9766630en-5NLGV91Q1CIFMSON0VQ2F8FEAD
6. Chime Reports Second Quarter 2026 Financial Results — Chime, Aug 5, 2026. https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results
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73. Square Brings Managerbot to More Sellers, Giving Main Street an Intelligent Business Agent — Square, Apr 28, 2026. https://squareup.com/us/en/press/managerbot-open-beta
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