SBCF

• Adjusted net income was $65.8 million, or $0.61 per diluted share, for Q2 2026.
• Net interest income grew 2% from the prior quarter and 42% from the prior year quarter to $180.4 million.
• Net interest margin was stable at 3.83%, and excluding accretion on acquired loans, expanded eight basis points to 3.65%.
• Organic loan growth was 16% annualized, and total deposits increased 4% annualized.

2.02 Results of Operations and Financial Condition · 7.01 Regulation FD Disclosure · 9.01 Financial Statements and Exhibits

• H. Gilbert Culbreth, Jr. notified Seacoast Banking Corporation of Florida on May 27, 2026, of his resignation from the Board of Directors, effective June 15, 2026.
• He was appointed to the company's board in 2008 and served on the compensation and governance committee at the time of his resignation.
• The resignation is for personal reasons and not due to any disagreement with the company.

5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements

• All five Class III director nominees were elected: Michael E. Griffin, Dennis S. Hudson III, Kathleen B. Kay, Alvaro J. Monserrat, and Randolph A. Moore III.
• Shareholders approved an amendment to declassify the board of directors, with 74,322,292 votes for, 54,450 against, and 38,378 abstentions, exceeding the two-thirds requirement.
• The non-binding advisory vote on named executive officer compensation passed with 72,732,371 votes for, 1,512,734 against, and 170,015 abstentions.
• The ratification of Crowe LLP as independent auditor for fiscal year 2026 was approved with 86,112,129 votes for, 405,061 against, and 44,063 abstentions.

5.07 Submission of Matters to a Vote of Security Holders · 7.01 Regulation FD Disclosure

• The company will hold one-on-one meetings with investors to discuss business strategy, financial performance, recent developments, and future opportunities.
• The investor presentation is attached as Exhibit 99.1 and is available on the company's website.
• The presentation highlights the acquisition of Villages Bancorporation, Inc., adding $4.4 billion in assets, $1.2 billion in loans, and $3.5 billion in deposits.
• The acquisition is expected to create a ~$21 billion asset franchise, ranking as the 2nd largest publicly-traded bank in Florida by deposit market share.

7.01 Regulation FD Disclosure · 9.01 Financial Statements and Exhibits

• Adjusted net income was $67.8 million, or $0.62 per share, up 42% from prior quarter and 111% year-over-year.
• Net interest margin grew 17 basis points to 3.83% in Q1 2026.
• Organic deposit growth was 7% annualized, with noninterest-bearing deposits up 29% annualized.
• Company repurchased 317,628 shares during the quarter.

2.02 Results of Operations and Financial Condition · 7.01 Regulation FD Disclosure · 9.01 Financial Statements and Exhibits

• The three new directors will stand for election as Class III directors at the 2026 annual meeting and were also appointed to the board of subsidiary Seacoast National Bank.
• Griffin is Vice Chairman and Co-Head of the Florida Region at Savills, Inc., with over 22 years of commercial real estate experience; he joined the audit committee and the Bank's credit risk and trust and wealth committees.
• Kay is Executive Vice President and Chief Information Officer at Principal Financial Group, bringing over 30 years of IT leadership; she joined the audit, compensation and governance, and information and technology committees.
• Moore is a recently retired senior partner from Alston & Bird, LLP, with more than 30 years of legal experience in M&A and corporate governance; he joined the corporate development, enterprise risk management, and information technology committees.

5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements · 9.01 Financial Statements and Exhibits

• Seacoast Banking Corporation of Florida will hold one-on-one investor meetings in February 2026 to discuss business strategy, financial performance, and recent developments.
• The presentation highlights the acquisition of Villages Bancorporation, Inc., adding $4.4 billion in assets, $1.2 billion in loans, and $3.5 billion in deposits.
• The acquisition is expected to result in approximately 24% earnings accretion and positions Seacoast as the second-largest publicly-traded bank in Florida by deposit market share.
• The information is furnished under Item 7.01 and is not deemed 'filed' for SEC purposes.

7.01 Regulation FD Disclosure · 9.01 Financial Statements and Exhibits

• Net interest income totaled $174.6 million in Q4 2025, up 31% from the prior quarter and 51% from the prior year quarter.
• Net interest margin expanded to 3.66% in Q4 2025, up 9 basis points from Q3 2025 and 27 basis points from Q4 2024.
• The company completed the acquisition of Villages Bancorporation, Inc. on October 1, 2025, adding approximately $1.2 billion in loans and $3.5 billion in deposits.
• In January 2026, the company repositioned a portion of its available-for-sale securities portfolio, selling securities with an average book yield of 1.9% and incurring a pre-tax loss of approximately $39.5 million.

2.02 Results of Operations and Financial Condition · 7.01 Regulation FD Disclosure · 8.01 Other Events · 9.01 Financial Statements and Exhibits