D
BayFirst National Bank
Rating Date
August 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings BayFirst National Bank
Saint Petersburg, FL
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Rating D
Asset Quality Index 4.40
Capitalization Index 6.60
Liquidity Index 2.80
Profitability Index 0.50
Stability Index 5.90
Company Info BayFirst National Bank
Saint Petersburg, FL
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FDIC Number 34997
Phone Number (833) 698-2265
Website www.bayfirstfinancial.com
Asset Quality BayFirst National Bank
Saint Petersburg, FL
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1-Year Asset Growth -15.45%
5-Year Asset Growth -3.22%
5-Year Charge-Offs to Average Loans 1.00%
Charge-Offs to Average Loans 1.98%
Non-Performing Assets to Assets 1.22%
Non-Performing Loans to Capital 9.16%
Non-Performing Loans to Loans 1.77%
Balance Sheet BayFirst National Bank
Saint Petersburg, FL
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Total Assets 1.14B
Total Deposits 1.00B
Capital and Reserves BayFirst National Bank
Saint Petersburg, FL
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Capital 111.81M
Leverage Ratio 8.61
Loan Loss Reserves to Loans 5.09%
Risk-Based Capital Ratio 13.19
Liquidity BayFirst National Bank
Saint Petersburg, FL
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Hot Money Ratio 16.21%
Liquidity Ratio 16.54%
Profitability BayFirst National Bank
Saint Petersburg, FL
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5-Year Return on Average Assets 0.42%
Net Income -38.13M
Net Interest Spread 3.45%
Operating Profit to Average Assets -8.56%
Overhead Efficiency Ratio 246.13%
Return on Assets -6.35%
Return on Equity -82.37%