SEACOAST BANKING CORP OF FLORIDA 8-K

What Happened

• Seacoast Banking Corporation of Florida announced its financial results for the quarter and year ended December 31, 2025 (press release filed January 29, 2026). The company also disclosed it sold certain securities at an average book yield of 1.9%, recognizing a pre-tax loss of about $39.5 million, and reinvested approximately $277 million of proceeds primarily into agency mortgage-backed securities with an average taxable-equivalent book yield of 4.8%.
• Seacoast will discuss results on an investor conference call on January 30, 2026 at 10:00 a.m. ET. Charts used on the call are furnished as Exhibit 99.2 and the press release is furnished as Exhibit 99.1.

Key Details

• Filing date: January 29, 2026; reporting period: quarter and year ended December 31, 2025.
• Securities sold had an average book yield of 1.9%, producing a pre-tax loss of ~ $39.5 million.
• Proceeds of ~ $277 million were reinvested mainly into agency mortgage‑backed securities with an average taxable-equivalent book yield of 4.8%.
• Investor call: January 30, 2026 at 10:00 a.m. ET; presentation charts available on Seacoast’s website (Exhibit 99.2). Information presented is as of December 31, 2025.

Why It Matters

• The $39.5 million pre-tax loss from the securities sale is a material, one-time item that will reduce reported earnings for the period.
• Reinvesting proceeds into higher-yielding agency MBS (4.8% vs. 1.9% prior) could improve future interest income and net interest margin, though the immediate hit to earnings has already occurred.
• The conference call and accompanying slides provide management’s explanation and context for these actions and the company’s financial results. Investors should review the press release, slides, and listen to the call for additional detail and consider the company’s forward‑looking disclosures and risk cautions.