Bayfirst National Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.08 percentage points higher than in Q1 2026, at 88.16%. Within Florida, Bayfirst National Bank is 26th of 81 on loan-to-deposit ratio, 88.16% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Bayfirst National Bank reported 88.16% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $139.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $169.4M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.16% |
| Net loans and leases to deposits | 83.66% |
| Loans and leases to core deposits | 96.61% |
| Core deposits to total deposits | 79.91% |
| Brokered deposits to total deposits | 16.35% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 86.45% | 88.51% | $0 | $0 |
| Q4 2023 | 92.86% | 89.05% | $0 | $10.0M |
| Q1 2024 | 92.94% | 88.30% | $0 | $15.0M |
| Q2 2024 | 96.68% | 85.30% | $0 | $55.0M |
| Q3 2024 | 93.74% | 84.27% | $0 | $10.0M |
| Q4 2024 | 93.25% | 82.13% | $0 | $0 |
| Q1 2025 | 96.13% | 82.84% | $0 | $20.0M |
| Q2 2025 | 96.66% | 79.59% | $0 | $40.0M |
| Q3 2025 | 93.23% | 76.60% | $0 | $50.0M |
| Q4 2025 | 80.87% | 78.28% | $0 | $0 |
| Q1 2026 | 85.08% | 77.22% | $0 | $0 |
| Q2 2026 | 88.16% | 79.91% | $0 | $0 |
Bayfirst National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bayfirst National Bank, freeSource: Call Report Schedules RC and RC-M, 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)