Bayfirst National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings dropped 167.6% in Q2 2026, from $19.4M to -$13.1M. It was the largest change from Q1 2026 among the key lines here. Bayfirst National Bank ranks 50th of 56 Florida banks on CET1 ratio, in the lower half at 11.47% (Q2 2026). Bayfirst National Bank reported 11.47% on CET1 ratio for Q2 2026, 2.01 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.47% |
| Tier 1 risk-based capital ratio | 11.47% |
| Total risk-based capital ratio | 12.77% |
| Tier 1 leverage ratio | 8.30% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $97.1M |
| Tier 1 capital | $97.1M |
| Total risk-based capital | $108.1M |
| Total equity capital | $109.3M |
| Risk-weighted assets | $846.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.64% |
| Tangible equity to tangible assets | 8.94% |
| Equity capital to average assets | 9.23% |
| Internal capital growth rate | -158.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.7M |
| Common stock surplus | $121.8M |
| Retained earnings | -$13.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.21% | 12.21% | 13.47% | 9.16% | $810.7M |
| Q4 2023 | 11.77% | 11.77% | 13.03% | 9.38% | $877.1M |
| Q1 2024 | 11.04% | 11.04% | 12.29% | 9.12% | $923.8M |
| Q2 2024 | 10.54% | 10.54% | 11.79% | 8.73% | $968.8M |
| Q3 2024 | 10.14% | 10.14% | 11.39% | 8.41% | $1.01B |
| Q4 2024 | 10.89% | 10.89% | 12.14% | 8.82% | $1.02B |
| Q1 2025 | 10.47% | 10.47% | 11.73% | 8.56% | $1.04B |
| Q2 2025 | 9.98% | 9.98% | 11.23% | 8.11% | $1.07B |
| Q3 2025 | 8.44% | 8.44% | 9.71% | 6.64% | $1.05B |
| Q4 2025 | 8.25% | 8.25% | 9.51% | 5.99% | $960.8M |
| Q1 2026 | 7.74% | 7.74% | 9.00% | 5.89% | $912.9M |
| Q2 2026 | 11.47% | 11.47% | 12.77% | 8.30% | $846.5M |
Bayfirst National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bayfirst National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bayfirst National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34997) · FFIEC NIC profile (RSSD 2771694)