Financial insights of SBCF

MyFinsight

For the year ending 2025-12-31.

Income Overview

Net Income
$142,740K
EPS
$1.57
Unit: Thousand (K) dollars

Income Statement	2025-12-31
Taxable	151,280
Nontaxable	3,404
Interest and fees on loans	657,036
Interest on interest-bearing deposits and other investments	24,654
Total interest income	836,374
Interest on deposits	177,380
Interest on time certificates	67,348
Interest on securities sold under agreement to repurchase	6,209
Interest on fhlb borrowings	25,295
Interest on long-term debt	6,666
Total interest expense	282,898
Net interest income	553,476
Provision for credit losses	51,260
Net interest income after provision for credit losses	502,216
Service charges on deposit accounts	23,386
Wealth management income	18,562
Mortgage banking income	4,714
Interchange income	8,193
Insurance agency income	5,581
Boli income	12,410
Other	26,826
Total noninterest income before securities (losses) gains, net	99,672
Securities losses, net (includes net losses of 0.9 million for 2025, 12.0 million for 2024 and 2.9 million for 2023 in other comprehensive income reclassifications)	-522
Total noninterest income	99,150
Salaries and wages	186,938
Employee benefits	32,844
Outsourced data processing costs	37,623
Occupancy	31,790
Furniture and equipment	9,421
Marketing	11,364
Legal and professional fees	8,591
Fdic assessments	9,592
Amortization of intangibles	26,819
Oreo expense and net (gain) loss on sale	126
Provision for credit losses on unfunded commitments	1,262
Merger and integration costs	32,423
Other	26,319
Total noninterest expense	414,860
Income before income taxes	186,506
Provision for income tax expense	41,628
Net income	144,878
Preferred dividends	2,138
Net income available to common shareholders	142,740

Basic EPS	1.59
Diluted EPS	1.57
Basic Average Shares	88,276,000
Diluted Average Shares	89,106,000

MyFinsight

Income Overview

Net Income
$142,740K
EPS
$1.57
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$142,740K
EPS
$1.57
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$142,740KEPS$1.57Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$142,740KEPS$1.57Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$142,740K
EPS
$1.57
Unit: Thousand (K) dollars

Net Income
$142,740K
EPS
$1.57
Unit: Thousand (K) dollars