Every new experience comes with its fair share of questions.
Here’s where you can find the most helpful answers to guide you through the upcoming transition.
Seacoast Banking Corporation of Florida (NASDAQ: SBCF) is one of the largest community banks headquartered in the state. It offers a comprehensive suite of financial services—including commercial and consumer banking, wealth management, and mortgage solutions—through 79 full-service branches across Florida, as well as via robust mobile and online banking platforms. Seacoast National Bank is the wholly-owned subsidiary bank of Seacoast Banking Corporation of Florida.
As of March 31, 2025, Seacoast Bank had over 1,500 associates, $15.7 billion in assets, and $12.6 billion in deposits.
For nearly a century, Seacoast Bank’s commitment to customers has remained the same and is summarized by its Four Promises.
Learn more about Seacoast Bank by visiting SeacoastBank.com
The merger is expected to legally close in the fourth quarter of 2025. On the legal close date, customers will not see changes to their day-to-day banking activities and Citizens First Bank will continue to operate as Citizens First up until conversion. Conversion to Seacoast Bank will take place after the legal close and is tentatively scheduled for the middle of May, 2026. As we approach conversion, you will receive a welcome packet including details about your account and any additional banking options available to you.
The proposed merger will greatly benefit Citizens First Bank customers and associates with the added convenience of more branches, more ATMs, and a wider array of financial solutions including expanded Wealth and Trust services, and leading online and mobile banking capabilities.
You should continue banking as normal. Seacoast Bank and Citizens First Bank teams are working together to make this transition as smooth as possible for you.
More information will be coming soon as our teams finalize the transition plan. Account numbers and product types will not change at this time. Everything is business as usual.
Yes. Just as your deposits are insured with Citizens First Bank, FDIC insurance will continue at Seacoast Bank.
No. Until the customer account conversion is completed, Citizens First Bank customers should continue to utilize Citizens First Bank branches for their banking needs.
Seacoast Bank has no current plans to close or reduce hours at any Citizens First Bank location. You’ll continue to see the same friendly team at the same branches you visit today.
The ATMs will stay right where they are and continue working as usual. If anything changes in the future, we’ll give you plenty of advance notice.
Once the systems are fully integrated, planned in May of 2026, you’ll enjoy fee-free access to Seacoast Bank’s statewide network of 95+ branches and 100+ in-branch ATMs, as well as fee-free withdrawals at 55,000+ Allpoint® network ATMs worldwide*.
*Worldwide includes USA, United Kingdom, Canada, Australia and Mexico.
