Item 2.02 Results of Operations and Financial Condition



On January 26, 2023, Seacoast Banking Corporation of Florida ("Seacoast" or the
"Company") announced its financial results for the quarter and year ended
December 31, 2022. A copy of the press release announcing Seacoast's results for
the quarter and year ended December 31, 2022 is attached hereto as Exhibit 99.1
and incorporated herein by reference.

Item 7.01 Regulation FD Disclosure



On January 27, 2023, Seacoast will hold an investor conference call to discuss
its financial results for the quarter and year ended December 31, 2022. Attached
as Exhibit 99.2 are charts (available on the Company's website at
www.seacoastbanking.com) containing information used in the conference call and
incorporated herein by reference. All information included in the charts is
presented as of December 31, 2022, and the Company does not assume any
obligation to correct or update said information in the future.

The information in Items 2.02 and 7.01, as well as Exhibits 99.1 and 99.2 is
being furnished and shall not be deemed "filed" for purposes of Section 18 of
the Securities Exchange Act of 1934, nor shall it be deemed incorporated by
reference in any filing under the Securities Act of 1933.

Item 9.01 Financial Statements and Exhibits



(d) Exhibits
      Exhibit No.              Description
                                 Press Release dated January 26, 2023, with respect to Seacoast's
         99.1                  financial results for the quarter     and year     ended
                                   Dec    ember 3    1    , 2022
         99.2                    Data on website containing information

used in the conference call to


                               be held on January 27, 2023
          104                  Cover Page Interactive Data File (embedded within the Inline XBRL
                               document)



Exhibits 99.1 and 99.2 referenced herein, contain "forward-looking statements"
within the meaning, and protections, of Section 27A of the Securities Act of
1933 and Section 21E of the Securities Exchange Act of 1934, including, without
limitation, statements about future financial and operating results, cost
savings, enhanced revenues, economic and seasonal conditions in the Company's
markets, and improvements to reported earnings that may be realized from cost
controls, tax law changes, new initiatives and for integration of banks that the
Company has acquired, including Apollo Bancshares, Inc. and Drummond Banking
Company, or expects to acquire, including Professional Holding Corp. as well as
statements with respect to Seacoast's objectives, strategic plans, expectations
and intentions and other statements that are not historical facts, any of which
may be impacted by the COVID-19 pandemic and any variants thereof and related
effects on the U.S. economy. Actual results may differ from those set forth in
the forward-looking statements.

Forward-looking statements include statements with respect to the Company's
beliefs, plans, objectives, goals, expectations, anticipations, assumptions,
estimates and intentions about future performance and involve known and unknown
risks, uncertainties and other factors, which may be beyond the Company's
control, and which may cause the actual results, performance or achievements of
Seacoast to be materially different from future results, performance or
achievements expressed or implied by such forward-looking statements. You should
not expect the Company to update any forward-looking statements.


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All statements other than statements of historical fact could be forward-looking
statements. You can identify these forward-looking statements through the use of
words such as "may", "will", "anticipate", "assume", "should", "support",
"indicate", "would", "believe", "contemplate", "expect", "estimate", "continue",
"further", "plan", "point to", "project", "could", "intend", "target" or other
similar words and expressions of the future. These forward-looking statements
may not be realized due to a variety of factors, including, without limitation:
the impact of current and future economic and market conditions generally
(including seasonality) and in the financial services industry, nationally and
within Seacoast's primary market areas, including the effects of inflationary
pressures, elevated interest rates, slowdowns in economic growth, and the
potential for high unemployment rates, as well as the financial stress on
borrowers and changes to customer and client behavior (including the velocity of
loan repayment) and credit risk as a result of the foregoing; governmental
monetary and fiscal policies, including interest rate policies of the Board of
Governors of the Federal Reserve, as well as legislative, tax and regulatory
changes, including those that impact the money supply and inflation; the risks
of changes in interest rates on the level and composition of deposits (as well
as the cost of, and competition for, deposits), loan demand, liquidity and the
values of loan collateral, securities, and interest rate sensitive assets and
liabilities; interest rate risks, sensitivities and the shape of the yield
curve; the adverse impact of COVID-19 (economic and otherwise) on the Company
and its customers, counterparties, employees, and third-party service providers,
and the adverse impacts to our business, financial position, results of
operations and prospects; government or regulatory responses to the COVID-19
pandemic; changes in accounting policies, rules and practices, including the
impact of the adoption of the current expected credit losses ("CECL")
methodology; uncertainty related to the impact of LIBOR calculations on
securities, loans and debt; changes in retail distribution strategies, customer
preferences and behavior generally and as a result of economic factors; changes
in the availability and cost of credit and capital in the financial markets;
changes in the prices, values and sales volumes of residential and commercial
real estate; the Company's concentration in commercial real estate loans and in
real estate collateral in Florida; our ability to comply with any regulatory
requirements; the effects of problems encountered by other financial
institutions that adversely affect Seacoast or the banking industry;
inaccuracies or other failures from the use of models, including the failure of
assumptions and estimates, as well as differences in, and changes to, economic,
market and credit conditions; the impact on the valuation of Seacoast's
investments due to market volatility or counterparty payment risk, as well as
the effect of a fall in stock market prices on our fee income from our brokerage
and wealth management businesses; statutory and regulatory dividend
restrictions; increases in regulatory capital requirements for banking
organizations generally; the risks of mergers, acquisitions and divestitures,
including Seacoast's ability to continue to identify acquisition targets,
successfully acquire and integrate desirable financial institutions and realize
expected revenues and revenue synergies; changes in technology or products that
may be more difficult, costly, or less effective than anticipated; the Company's
ability to identify and address increased cybersecurity risks, including as a
result of employees working remotely; inability of Seacoast's risk management
framework to manage risks associated with the Company's business; dependence on
key suppliers or vendors to obtain equipment or services for the business on
acceptable terms, including the impact of supply chain disruptions; reduction in
or the termination of Seacoast's ability to use the online- or mobile-based
platform that is critical to the Company's business growth strategy; the effects
of war or other conflicts, including the impacts related to or resulting from
Russia's military action in Ukraine, acts of terrorism, natural disasters,
health emergencies, epidemics or pandemics, or other catastrophic events that
may affect general economic conditions; unexpected outcomes of and the costs
associated with, existing or new litigation involving the Company, including as
a result of the Company's participation in the Paycheck Protection Program
("PPP"); Seacoast's ability to maintain adequate internal controls over
financial reporting; potential claims, damages, penalties, fines and
reputational damage resulting from pending or future litigation, regulatory
proceedings and enforcement actions; the risks that deferred tax assets could be
reduced if estimates of future taxable income from the Company's operations and
tax planning strategies are less than currently estimated and sales of capital
stock could trigger a reduction in the amount of net operating loss
carryforwards that the Company may be able to utilize for income tax purposes;
the effects of competition from other commercial banks, thrifts, mortgage
banking firms, consumer finance companies, credit unions, non-bank financial
technology providers, securities brokerage firms, insurance companies, money
market and other mutual funds and other financial institutions operating in the
Company's market areas and elsewhere, including institutions operating
regionally, nationally and internationally, together with such competitors
offering banking products and services by mail, telephone, computer and the
Internet; the failure of assumptions underlying the establishment of reserves
for possible credit losses.

The risks relating to the merger with Professional Holding Corp. include,
without limitation: the diversion of management's time on issues related to the
merger; unexpected transaction costs, including the costs of integrating
operations; the risks that the businesses will not be integrated successfully or
that such integration may be more difficult, time-consuming or costly than
expected; the potential failure to fully or timely realize expected revenues and
revenue synergies, including as the result of revenues following the mergers
being lower than expected; the risk of deposit and customer attrition;
regulatory enforcement and litigation risk; any changes in deposit mix;
unexpected operating and other costs, which may differ or change from
expectations; the risks of customer and employee loss and business disruptions,
including, without limitation, as the result of difficulties in maintaining
relationships with employees; increased competitive pressures and solicitations
of customers by competitors; as well as the difficulties and risks inherent with
entering new markets.

All written or oral forward-looking statements attributable to us are expressly qualified in their entirety by this cautionary notice, including, without limitation, those risks and uncertainties described in the Company's annual report on Form 10-K for

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the year ended December 31, 2021 and quarterly reports on Form 10-Q for the
quarters ended March 31, 2022, June 30, 2022, and September 30, 2022 under
"Special Cautionary Notice Regarding Forward-Looking Statements" and "Risk
Factors", and otherwise in the Company's SEC reports and filings. Such reports
are available upon request from the Company, or from the Securities and Exchange
Commission, including through the SEC's Internet website at www.sec.gov

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