BAYFIRST NATIONAL BANK

SAINT PETERSBURG, FL | Large | Est. Feb. 12, 1999, midnight | FDIC #34997 | RSSD #2771694 | OCC
Latest Report: 2025-12-31

BAYFIRST NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in SAINT PETERSBURG, FL, established in Feb. 12, 1999, midnight. As of 2025-12-31, the bank reported total assets of $1.3B and total deposits of $1.2B. Profitability stands at -0.70% ROA and -9.72% ROE, with a net interest margin of 3.70%. The bank's CET1 capital ratio is 8.92%. Asset quality metrics show a non-performing loan ratio of 2.35% and a Texas Ratio of 20.00%. FDIC Certificate #34997.

Assets

$1.3B

Deposits

$1.2B

Loans

$964M

Equity

$93M

Profitability

Return on Assets (ROA) -0.70%
Return on Equity (ROE) -9.72%
Net Interest Margin (NIM) 3.70%
Yield on Assets 6.89%
Cost of Funds 3.95%

Asset Quality

NPL Ratio 2.35%
Net Charge-Off Ratio 1.86%
Texas Ratio 20.00%
NPA Ratio 1.78%
ACL / Loans 2.28%

Capital & Liquidity

CET1 Ratio 8.92%
Tier 1 Capital 8.92%
Total Capital Ratio 10.18%
Leverage Ratio 6.52%
Loan-to-Deposit 81.36%

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