$930M
−14.2%y/y
Percentile by value37th percentileby value
FDIC
LNLSGRBB
BayFirst National Bank
Saint Petersburg, FloridaFDIC Cert #34997
OCCEstablished 199912 branches
Holding company: BAYFIRST FINANCIAL CORPRegulator: OCC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
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 |
Loan book
Reported balances and balance-sheet intensity.
$910M
−14.8%y/y
Percentile by value36th percentileby value
FDIC
LNLSNET−14.84%
−194.4%y/y
Percentile by value1st percentileby value
FDIC
LNLSNET83.8%
−11.5%y/y
Percentile by value45th percentileby value
FDIC
LNLSNET + DEP76.2%
−7.9%y/y
Percentile by value65th percentileby value
FDIC
LNLSNET + ASSET87.96%
+10.0%y/y
Percentile by value58th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
144%
+9.1%y/y
Percentile by value19th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC41%
+6.1%y/y
Percentile by value43rd percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,816points
+18.6%y/y
Peer standing21st percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD14.03%
−22.6%y/y
Percentile by value62nd percentileby value
FDIC
LNRENROW + LNLSGR9.60%
−5.2%y/y
Percentile by value17th percentileby value
FDIC
LNRENROT + LNLSGR23.80%
−9.9%y/y
Percentile by value90th percentileby value
FDIC
LNCI + LNLSGR