$1.19B
−7.5%y/y
Percentile by value23rd percentileby value
FDIC
ASSETBB
BayFirst National Bank
Saint Petersburg, FloridaFDIC Cert #34997
OCCEstablished 199912 branches
Holding company: BAYFIRST FINANCIAL CORPRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportBayFirst National Bank reported $1.19B in total assets. Deposits declined 3.74% over the prior year.
Return on assets was −1.75%, compared with an asset-peer median of 1.16%. The leverage ratio was 6.54%.
- Why is Efficiency Ratio above asset peers?
- Why is Noncurrent Loan Ratio above asset peers?
- Why is Return on Assets below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$1.09B
−3.7%y/y
Percentile by value32nd percentileby value
FDIC
DEP$910M
−14.8%y/y
Percentile by value36th percentileby value
FDIC
LNLSNET−1.75%
−170 bpsy/y
Peer standing0th percentile
FDIC
NETINC + ROA140.96%
+6,198 bpsy/y
Peer standing0th percentile
FDIC
NONIX + NIM + NONII + EEFFR6.54%
−202 bpsy/y
Peer standing0th percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $1.2B | $634M |
| Q3 2021 | $944M | $678M |
| Q4 2021 | $917M | $724M |
| Q1 2022 | $888M | $772M |
| Q2 2022 | $921M | $766M |
| Q3 2022 | $930M | $786M |
| Q4 2022 | $939M | $796M |
| Q1 2023 | $1.07B | $934M |
| Q2 2023 | $1.09B | $946M |
| Q3 2023 | $1.13B | $1.02B |
| Q4 2023 | $1.12B | $986M |
| Q1 2024 | $1.14B | $1.01B |
| Q2 2024 | $1.22B | $1.04B |
| Q3 2024 | $1.25B | $1.11B |
| Q4 2024 | $1.29B | $1.14B |
| Q1 2025 | $1.29B | $1.13B |
| Q2 2025 | $1.34B | $1.16B |
| Q3 2025 | $1.34B | $1.17B |
| Q4 2025 | $1.3B | $1.18B |
| Q1 2026 | $1.19B | $1.09B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $131M |
| Investor CRE | $89.3M |
| Multifamily | $4.2M |
| Construction | $36.7M |
| 1–4 family | $363M |
| C&I | $221M |
| Agriculture | $2.78M |
| Other | $82.9M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−1.75%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE−24.07%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY3.40%35th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR140.96%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP−3.74%6th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET−14.84%1st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.46%7th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ6.54%0th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.24%20th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC144%19th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−1.75%2nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.03%Median 1.07%90th 1.75%Observations 83
ROE
FDIC
NETINC + ROE−24.07%1st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.33%Median 10.96%90th 21.32%Observations 83
NIM
FDIC
NIM + NIMY3.40%34th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.60%90th 4.66%Observations 83
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR140.96%2nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.71%Median 64.78%90th 90.81%Observations 83
Deposits YoY
FDIC
DEP−3.74%13th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.83%Median +6.78%90th +30.32%Observations 81
Loans YoY
FDIC
LNLSNET−14.84%1st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −6.35%Median +8.10%90th +42.25%Observations 78
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.46%6th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.20%90th 1.78%Observations 79
Leverage
FDIC
RBC1AAJ6.54%1st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.50%Median 10.17%90th 18.01%Observations 83
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.24%30th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.61%Median 2.78%90th 3.78%Observations 80
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC144%38th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 29%Median 170%90th 329%Observations 61
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−1.75%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.23%Median 1.28%90th 1.98%Observations 18
ROE
FDIC
NETINC + ROE−24.07%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.54%Median 15.85%90th 40.26%Observations 18
NIM
FDIC
NIM + NIMY3.40%29th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.05%Median 3.51%90th 4.58%Observations 18
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR140.96%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.97%Median 54.61%90th 93.69%Observations 18
Deposits YoY
FDIC
DEP−3.74%0th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +2.48%Median +8.81%90th +76.71%Observations 18
Loans YoY
FDIC
LNLSNET−14.84%0th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +2.02%Median +8.75%90th +64.85%Observations 18
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.46%6th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.19%90th 1.73%Observations 18
Leverage
FDIC
RBC1AAJ6.54%6th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 7.48%Median 9.62%90th 10.89%Observations 18
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.24%29th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.99%Median 3.07%90th 3.69%Observations 18
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC144%13th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 140%Median 248%90th 349%Observations 16
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 12 branches
- Headquarters
- Saint Petersburg, FL
FDIC
OFFDOMOpen the Florida dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data