BayFirst National Bank
Major Rating Factors:
A current level of 9.2 percent of nonperforming loans to core capital combined with 11.9 percent from a year earlier contributes to the Fair asset quality (4.4).
Other Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 13.2 and a capital leverage ratio of 8.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Asset Mix:
Comm re (19%), comm loans (17%), home eq lns (17%), home mtgs (15%), cash (12%), consumer loans (7%), securities (3%), other (11%)
States with Branches:
FL
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
BayFirst Financial Corp.
Investment Rating
Address
700 Central Avenue
Saint Petersburg, FL 33701
Saint Petersburg, FL 33701
Phone Number
(833) 698-2265
Year Founded
1999
FDIC Number
Website
Largest Affiliates
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