Bayfirst National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bayfirst National Bank of Saint Petersburg, FL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -10.95% | 1.47% | -12.42% | 0th bottom |
| ROAE | -135.85% | 12.78% | -148.63% | 0th bottom |
| Net Interest Margin | 3.50% | 3.85% | -0.35% | 35th below |
| Efficiency Ratio | 654.11% | 57.15% | +596.96% | 0th bottom |
| Yield on Earning Assets | 6.02% | 5.72% | +0.30% | 77th top |
| Cost of Funds | 2.63% | 2.02% | +0.61% | 17th bottom |
| Net Interest Spread | 3.05% | 3.18% | -0.13% | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.78% | 1.00% | +0.78% | 13th bottom |
| NPA / Total Assets | 1.43% | 0.76% | +0.67% | 13th bottom |
| NCO / Avg Loans | 1.96% | 0.43% | +1.53% | 2nd bottom |
| ACL / Total Loans | 5.11% | 1.31% | +3.80% | 99th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 287.21% | 543.47% | -256.26% | 68th above |
| Texas Ratio | 13.35% | 7.39% | +5.96% | 15th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 351.49% | 618.74% | -267.25% | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.47% | 17.34% | -5.87% | 17th bottom |
| Tier 1 Ratio | 11.47% | 17.37% | -5.90% | 16th bottom |
| Total Capital Ratio | 12.77% | 18.42% | -5.65% | 18th bottom |
| Leverage Ratio | 8.30% | 11.44% | -3.14% | 3rd bottom |
| Equity / Assets | 9.64% | 11.34% | -1.70% | 35th below |
| TCE / Tangible Assets | 8.94% | 10.50% | -1.56% | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 88.16% | 86.95% | +1.21% | 50th above |
| Core Deposit Ratio | 79.91% | 85.56% | -5.65% | 20th bottom |
| Uninsured Deposit Ratio | 19.52% | 33.13% | -13.61% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -15.64% | 9.69% | -25.33% | 1st bottom |
| Loan Growth (Y/Y) | -21.58% | 8.07% | -29.65% | 1st bottom |
| Deposit Growth (Y/Y) | -14.02% | 7.88% | -21.90% | 1st bottom |
See Bayfirst National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bayfirst National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bayfirst National Bank profile, how to read a UBPR, or how this data updates.