Bank Safety Analysis
Is Bayfirst National Bank Safe?
Bayfirst National Bank shows stress on 1 of 5 regulatory safety dimensions and is currently outside well-capitalized thresholds on at least one measure. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in return on assets: 9.07 percentage points lower than in Q1 2026, at -10.95%. Within Florida, Bayfirst National Bank is 50th of 56 on CET1 ratio, 11.47% as of Q2 2026, below the middle of the field. 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. From Q3 2023 to Q2 2026, Bayfirst National Bank's CET1 ratio ranged between 7.74% (Q1 2026) and 12.21% (Q3 2023) and its Texas ratio ranged between 9.61% (Q4 2023) and 26.74% (Q4 2025). Compared with Q2 2025, Bayfirst National Bank's CET1 ratio from 9.98% to 11.47%, noncurrent loans to total loans from 1.79% to 1.78%, Texas ratio from 20.46% to 13.35%, return on assets from -0.30% to -10.95% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $1B to $10B in assets (931 banks) · Industry averages as of Q2 2026.
CET1 of 11.47% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 8.30% is above the 5% well-capitalized threshold.
Nonperforming loans at 1.78% are elevated; merits closer attention.
Texas Ratio of 13.3% is well below the 100% historical failure threshold.
Efficiency ratio of 654.1% suggests significant cost-to-revenue challenges.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 11.47% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 13.35% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 1.78% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 19.52% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 88.16% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 91.14% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.12% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 11.47% |
| Q1 2026 | 7.74% |
| Q4 2025 | 8.25% |
| Q3 2025 | 8.44% |
| Q2 2025 | 9.98% |
| Q1 2025 | 10.47% |
| Q4 2024 | 10.89% |
| Q3 2024 | 10.14% |
| Q2 2024 | 10.54% |
| Q1 2024 | 11.04% |
| Q4 2023 | 11.77% |
| Q3 2023 | 12.21% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 13.35% |
| Q1 2026 | 25.20% |
| Q4 2025 | 26.74% |
| Q3 2025 | 24.79% |
| Q2 2025 | 20.46% |
| Q1 2025 | 22.50% |
| Q4 2024 | 16.11% |
| Q3 2024 | 15.55% |
| Q2 2024 | 14.39% |
| Q1 2024 | 10.27% |
| Q4 2023 | 9.61% |
| Q3 2023 | 10.50% |
Bayfirst National Bank by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 11.47% | 1.78% | 13.35% | -10.95% |
| Mar 31, 2026 | 7.74% | 2.13% | 25.20% | -1.88% |
| Dec 31, 2025 | 8.25% | 2.37% | 26.74% | -1.18% |
| Sep 30, 2025 | 8.44% | 2.08% | 24.79% | -5.55% |
| Jun 30, 2025 | 9.98% | 1.79% | 20.46% | -0.30% |
| Mar 31, 2025 | 10.47% | 1.94% | 22.50% | -0.05% |
| Dec 31, 2024 | 10.89% | 1.56% | 16.11% | 3.13% |
| Sep 30, 2024 | 10.14% | 1.47% | 15.55% | 0.42% |
| Jun 30, 2024 | 10.54% | 1.09% | 14.39% | 0.30% |
| Mar 31, 2024 | 11.04% | 1.02% | 10.27% | 0.39% |
| Dec 31, 2023 | 11.77% | 1.03% | 9.61% | 0.68% |
| Sep 30, 2023 | 12.21% | 1.10% | 10.50% | 0.80% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Bayfirst National Bank FDIC insured?
Yes. Bayfirst National Bank is an FDIC-insured commercial bank (FDIC Certificate #34997). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is Bayfirst National Bank well capitalized?
Yes. Bayfirst National Bank reports a CET1 Ratio of 11.47%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the OCC, applies under Prompt Corrective Action.
What is Bayfirst National Bank's nonperforming loan ratio?
As of the most recent call report, Bayfirst National Bank's nonperforming loan ratio is 1.78%. Nonperforming loans at 1.78% are elevated; merits closer attention.
What is Bayfirst National Bank's Texas Ratio?
Bayfirst National Bank's Texas Ratio is 13.35%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 34997) · FFIEC NIC profile (RSSD 2771694)
Explore: Full Bayfirst National Bank profile · Other banks in FL · Metric glossary · How the call report works