C
BayFirst National Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings BayFirst National Bank
Saint Petersburg, FL
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Rating C
Asset Quality Index 3.90
Capitalization Index 4.60
Liquidity Index 2.80
Profitability Index 1.70
Stability Index 6.00
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 7.95%
5-Year Asset Growth 28.51%
5-Year Charge-Offs to Average Loans 0.78%
Charge-Offs to Average Loans 1.60%
Non-Performing Assets to Assets 1.27%
Non-Performing Loans to Capital 14.76%
Non-Performing Loans to Loans 2.08%
Balance Sheet BayFirst National Bank
Saint Petersburg, FL
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Total Assets 1.34B
Total Deposits 1.17B
Capital and Reserves BayFirst National Bank
Saint Petersburg, FL
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Capital 95.67M
Leverage Ratio 6.64
Loan Loss Reserves to Loans 2.24%
Risk-Based Capital Ratio 9.71
Liquidity BayFirst National Bank
Saint Petersburg, FL
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Hot Money Ratio 13.39%
Liquidity Ratio 12.18%
Profitability BayFirst National Bank
Saint Petersburg, FL
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5-Year Return on Average Assets 1.00%
Net Income -19.82M
Net Interest Spread 3.84%
Operating Profit to Average Assets -2.74%
Overhead Efficiency Ratio 108.57%
Return on Assets -2.00%
Return on Equity -23.50%