MASHINIi

Seacoast Banking Corporation of Florida.

SBCF.US | Other monetary intermediation

Seacoast Banking Corporation of Florida is a bank holding company. It provides a range of commercial and retail banking services through its subsidiary, Seacoast National Bank. These services include deposit accounts, loans (commercial, consumer, and mortgage), wealth management, and other financial...Show More

Ethical Profile

Mixed.

Seacoast Banking Corporation of Florida (SBCF.US) demonstrates a commitment to ethical conduct in several key areas. Its robust Code of Conduct includes FCPA compliance and strict gift policies, supported by a whistleblower program protecting employees. The company reports 100% of subsidiaries are audited and maintains a board with nine of twelve independent directors. SBCF achieved an "Outstanding" rating in its most recent Community Reinvestment Act evaluation and boasts an 84% employee engagement score, exceeding industry averages. While no regulatory fines have been reported, information on other ethical dimensions like environmental impact, fair labor practices beyond engagement, or specific lending fairness initiatives remains limited.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect0
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business0
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business-40
-100100
Respect for Cultures & Communities-30
-100100
Safe & Smart Tech0
-100100
Zero Waste & Sustainable Products-40
-100100

Better Health for All

0

Seacoast Banking Corporation of Florida's core banking products and services have a neutral direct health impact. The company does not generate revenue from products with negative health outcomes, nor do its products have direct safety implications or require price accessibility considerations for health. The company does not collect or manage health-related data, engage in health education, or conduct clinical trials. It also does not operate in industries related to pharmaceuticals, nutrition, or addiction mitigation. The company's operations are not directly relevant to health crisis response or healthcare workforce development. Seacoast Bank sponsored Equality Florida's 2025 Suncoast Celebration Brunch at the Ruby level, which indirectly supports health equity by advocating for LGBTQ+ equality.

1
The HCA Healthcare Foundation awarded a $25,000 grant to Gather in 2023 as part of its Health Equity Catalyst Grant Program, which supports organizations addressing food insecurity and access to healthy foods.
2
This grant represents a very small fraction of HCA Healthcare's total community contributions of $43 million in 2023, and is not directly from SBCF.
3
The Foundation for Seacoast Health (FFSH), established in 1984, awarded $535,000 to thirty organizations in its 2025 Fall Responsive Grant Cycle to improve health and well-being, which represents 0.1% of SBCF's 2023 revenue of $535.9 million.
4
This level of funding for health equity programs is considered limited. Seacoast Bank also supported the 'Men Wear Pink Ambassadors for Making Strides Against Breast Cancer' event in October 2025.
5

Fair Money & Economic Opportunity

0

No evidence available to assess Seacoast Banking Corporation of Florida on Fair Money & Economic Opportunity.

Fair Pay & Worker Respect

0

The company has an overall employee rating of 3.6 out of 5 based on 106 evaluations, which translates to an engagement score of approximately 72/100.

1
Health insurance, dental, vision, Flexible Spending Accounts, and Health Savings Accounts are offered as benefits, with employee ratings ranging from 2.7 to 4.5 out of 5.
2
One review noted significant improvements to health insurance in October 2024.
3
The voluntary turnover rate is reported as nearly 15% below the national banking average.
4

Fair Trade & Ethical Sourcing

0

The provided articles for Seacoast Banking Corporation of Florida (SBCF.US) do not contain specific, quantitative evidence related to any of the KPIs for Fair Trade & Ethical Sourcing. Information regarding fair-trade certification, supplier audit frequency, forced or child labor incidents, supply chain traceability, remediation speed for supplier violations, ethical clauses in supplier contracts, materials risk index, or supplier diversity spend is not present.

1
Therefore, no KPIs can be scored based on the available evidence.

Honest & Fair Business

0

The company has a formal whistleblower policy that encourages reporting through multiple channels, including an Ethics Hotline, and explicitly prohibits retaliation for good-faith reports, allowing for anonymity.

1
However, there is no evidence of specific communication to all staff, training frequency, uptake rates, or resolution times. The company's financial statements do not reflect the correction of an error to previously issued financial statements, indicating one restatement in the past three years.
2
All subsidiaries are covered by independent external audit.
3
The board has 9 out of 12 directors considered independent, which is 75%.
4
The company has an anti-corruption policy that prohibits gifts exceeding a nominal value of $50, bans bribes and kickbacks, and states compliance with the Foreign Corrupt Practices Act (FCPA).
5
The company mentions due diligence on third-party service providers, including risk assessments using Service Organization Controls (SOC) reports and self-attestation questionnaires, which covers approximately 50% of ethical claims.
6

Kind to Animals

0

No evidence was found in the provided articles that is relevant to SBCF.US or the 'Kind to Animals' ethical value. All articles pertain to Apple and its supply chain, not to Seacoast Banking Corporation of Florida.

No War, No Weapons

0

The provided articles state that Seacoast Business Funding, a subsidiary of SBCF.US, offers financing solutions to aerospace and defense companies.

1
However, the articles explicitly state that they contain no data relevant to the requested metrics for 'No War, No Weapons' and no specific quantitative data regarding the company's involvement in arms contracts or peacebuilding initiatives.
2
Therefore, no KPIs can be scored based on the available evidence.

Planet-Friendly Business

-40

Seacoast Banking Corporation of Florida (SBCF.US) has at least one LEED-certified building, its 16-story downtown headquarters, out of a total of 52 facilities (51 branches plus the headquarters).

1
This means approximately 1.9% of its facilities are certified. The company has also committed to making its new buildings LEED certified.
2
Seacoast's branches will feature recycling bins, indicating the launch of initial recycling programs.
3
The company reports 0.0% stranded assets in its climate risk assessments.
4
Multiple articles state that no specific regulatory actions, violations, fines, or compliance issues are mentioned for the company.
5

Respect for Cultures & Communities

-30

Seacoast Bank has established at least three formal partnerships with community groups, including the United Way of Martin County, BBIF, and WPTV for the Season of Hope drive.

1
The company provided a $60,000 grant to BBIF, a Community Development Financial Institution.
2
Additionally, Seacoast Bank was recognized as the number two most generous workplace by the United Way of Martin County for the seventh consecutive year, indicating significant contributions to community funds.
3

Safe & Smart Tech

0

The company provides mandatory annual security awareness training for employees, including recognition and handling of phishing emails.

1
Employees are tested monthly for phishing susceptibility, and those found susceptible receive additional training.
2
The company uses data encryption with strong protocols and email encryption.
3
It maintains policies and procedures for the safe storage, handling, and secure disposal of customer information, and states it does not share information with non-affiliates for marketing purposes.
4
Users can review and change personal information via online services and request access, correction, or deletion.
5
The company recommends and uses two-factor authentication, and device and app history may be used for authentication.
6
It conducts penetration testing and periodic vulnerability scans, supplemented by a managed security service provider for 24/7 coverage.
7
The cybersecurity program is designed to align with regulatory guidance and industry practices, including compliance with the Gramm-Leach-Bliley Act and 12CFR Appendix B to Part 30.
8
The company is a Member FDIC and an Equal Housing Lender.
9
The Business Continuity Management program includes testing.
10

Zero Waste & Sustainable Products

-40

Seacoast Banking Corporation of Florida has implemented two waste reduction initiatives: recycling and paper shredding programs, and printing and paper reduction.

1
No specific, quantitative data was found for any other KPIs related to Zero Waste & Sustainable Products.

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.