Bayfirst National Bank
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Data as of · sourced from FFIEC call reports. How we update
Bayfirst National Bank is an FDIC-insured commercial bank headquartered in Saint Petersburg, FL, established in 1999 (FDIC certificate 34997), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.13B, down 15.6% from Q2 2025, the 30th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 11.47% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34997
- Headquarters
- Saint Petersburg, FL
- Established
- 1999
- Total assets, Q2 2026
- $1.13B
- Assets vs Q2 2025
- -15.6%
- CET1 ratio, Q2 2026
- 11.47%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 063114551
- Latest call report
- Q2 2026, FFIEC 051 · Bayfirst National Bank call report
- Holding company
- BAYFIRST FINANCIAL CORP.
- Asset rank in state
- 30th of 81 in Florida
Bayfirst National Bank operates with a thinner capital cushion than most banks of its size. Based in Saint Petersburg, Florida, it had $1.1 billion in assets at June 30, 2026, down 15.6% from a year earlier. It funds 8.30% of its assets with Tier 1 capital, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also shrank its loan book 21.6% over the year, lower than about 9 in 10 banks its size (median 5.9%).
It lost $32 million in the quarter. The commercial and industrial book ($193 million) is worsening: 5.58% of it is past due or on nonaccrual, up from 2.94% a year earlier. Funding is the softer spot: it pays an average of 2.63% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Bayfirst National Bank reported a CET1 capital ratio of 11.47%, a return on assets of -10.95%, a nonperforming-loan ratio of 2.14% and a Texas ratio of 9.56%. The figures come from its call report filed with the FFIEC.
Of the 81 banks headquartered in Florida, Bayfirst National Bank is the 30th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 4.6% to $1.13B, loans fell 4.5% and deposits fell 7.8%. 1-4 family residential loans made up 40.4% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 21.8%. Its 11 offices in the FDIC Summary of Deposits are in 8 cities in FL; its Saint Petersburg office books 36% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bayfirst National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 700 Central Ave, Saint Petersburg, FL 33701
- County
- Pinellas
- Metro Area
- Tampa-St. Petersburg-Clearwater, FL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 12, 1999
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 148
- Domestic deposits
- $1.00B
- Allowance for credit losses
- $45.1M
- Net charge-offs (YTD)
- $9.2M
- Average total assets
- $1.18B
- Average total loans
- $908.9M
- Average interest-bearing deposits
- $919.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 12, 1999
- FDIC Cert
- 34997
- Fed RSSD
- 2771694
- SEC CIK
- 1649739 → filed by BAYFIRST FINANCIAL CORP.
- Website
- www.bayfirstfinancial.com →
- Parent Holding Company
- BAYFIRST FINANCIAL CORP. (RSSD 2881650) · BAFN
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Rogers Alfred Tate Jr | CEO | CEO & President |
| Mckim Scott Joseph | CFO | EVP, Chief Financial Officer |
| Oliver Robin Leigh | COO | COO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bayfirst National Bank's total assets ran between $1.12B (Q4 2023) and $1.34B (Q3 2025), and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.13B total assets against $1.34B; $1.02B total liabilities against $1.23B.
$837.8M net loans and leases against $1.11B; $1.00B total deposits against $1.16B.
$30.3M securities against $32.8M; $139.2M cash and balances due against $78.5M.
$16.4M total interest income against $22.5M; $6.8M total interest expense against $10.1M.
$9.5M net interest income against $12.5M.
-$6.8M total noninterest income against $10.8M; $17.5M total noninterest expense against $17.3M.
$29.0M provision for credit losses against $7.3M.
-$32.4M net income against -$983K.
-10.95% return on assets against -0.30%; 3.50% net interest margin against 4.09%.
11.47% CET1 capital ratio against 9.98%; 8.30% tier 1 leverage ratio against 8.11%.
Inside the full Bayfirst National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBayfirst National Bank rankings
Its closest position to the top of a national ranking is 680 of 3,640, for Texas Ratio; its furthest is 1,852 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -10.95% (Q2 2026) to 3.13% (Q4 2024) and its net interest margin ran from 3.40% (Q3 2024) to 4.09% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.47% | -10.95% | 2.14% | 9.56% | 3.50% |
| Q1 2026 | 7.74% | -1.88% | 2.48% | 18.17% | 3.41% |
| Q4 2025 | 8.25% | -1.18% | 2.70% | 17.03% | 3.63% |
| Q3 2025 | 8.44% | -5.55% | 2.39% | 16.02% | 3.68% |
| Q2 2025 | 9.98% | -0.30% | 2.10% | 13.59% | 4.09% |
| Q1 2025 | 10.47% | -0.05% | 2.46% | 13.87% | 3.76% |
| Q4 2024 | 10.89% | 3.13% | 1.79% | 12.73% | 3.66% |
| Q3 2024 | 10.14% | 0.42% | 1.63% | 11.42% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bayfirst National Bank (main office) | Saint Petersburg , FL | 33701 | $364.8M |
| Seminole Branch | Seminole , FL | 33772 | $149.9M |
| Pinellas Park Office | Pinellas Park , FL | 33781 | $103.3M |
| South Trail Sarasota Branch | Sarasota , FL | 34239 | $65.9M |
| West Bradenton Branch | Bradenton , FL | 34209 | $61.2M |
| Tampa Branch | Tampa , FL | 33607 | $54.6M |
| Bee Ridge Branch | Sarasota , FL | 34233 | $53.8M |
| Belleair Bluffs Branch | Belleair Bluffs , FL | 33770 | $49.4M |
| Countryside Branch | Clearwater , FL | 33763 | $48.6M |
| Carollwood Branch | Tampa , FL | 33618 | $37.1M |
| North Sarasota Branch | Sarasota , FL | 34234 | $13.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in FL, rank 65 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1,816 loans, $282.3M approved, $155K average. 0.33% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bayfirst National Bank
What are Bayfirst National Bank's total assets?
As of the Q2 2026 filing, Bayfirst National Bank reported total assets of $1.13 billion in its FFIEC call report.
Where is Bayfirst National Bank headquartered?
It is headquartered in Saint Petersburg, FL, United States.
When was Bayfirst National Bank founded?
It was established in 1999, per the FDIC institution directory.
Is Bayfirst National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34997). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bayfirst National Bank?
Bayfirst National Bank's primary federal regulator is the OCC.
What is Bayfirst National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.47% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bayfirst National Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bayfirst National Bank's Texas Ratio?
Its Texas Ratio is 9.56% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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