Bayfirst National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 51.46 percentage points in Q2 2026, from 142.60% to 91.14%. It was the largest change from Q1 2026 among the key lines here. Bayfirst National Bank ranks 26th of 81 Florida banks on loan-to-deposit ratio, in the upper half at 88.16% (Q2 2026). 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $882.8M |
| Net loans and leases | $837.8M |
| Loans held for sale | $0 |
| Loans to total assets | 77.88% |
| Loan-to-deposit ratio | 88.16% |
| Net loans to equity capital | 7.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.20% |
| Multifamily (5+ residential) | 0.57% |
| Commercial and industrial | 21.83% |
| Consumer | 8.38% |
| Credit cards | 0.00% |
| Farm | 0.31% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 91.14% |
| Construction concentration (Tier 1 capital + allowance) | 26.80% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.51% |
| Interest income on loans | $14.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $880.3M | $1.02B | 35.18% | 28.58% | 4.44% |
| Q4 2023 | $915.7M | $986.1M | 33.44% | 27.99% | 5.19% |
| Q1 2024 | $937.1M | $1.01B | 30.70% | 27.43% | 6.85% |
| Q2 2024 | $1.01B | $1.04B | 30.43% | 26.59% | 8.55% |
| Q3 2024 | $1.04B | $1.11B | 29.61% | 26.57% | 8.92% |
| Q4 2024 | $1.07B | $1.14B | 29.96% | 26.28% | 8.84% |
| Q1 2025 | $1.08B | $1.13B | 28.27% | 26.40% | 8.70% |
| Q2 2025 | $1.13B | $1.16B | 27.29% | 27.03% | 8.33% |
| Q3 2025 | $1.09B | $1.17B | 27.52% | 25.72% | 8.45% |
| Q4 2025 | $958.0M | $1.18B | 22.88% | 23.90% | 9.05% |
| Q1 2026 | $924.2M | $1.09B | 23.76% | 23.31% | 8.96% |
| Q2 2026 | $882.8M | $1.00B | 24.20% | 21.83% | 8.38% |
Bayfirst National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bayfirst National Bank, freeSource: Call Report Schedule RC-C, 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)