Bayfirst National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 182.57 percentage points in Q2 2026, from 104.64% to 287.21%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Bayfirst National Bank is 1st from the bottom among 79 Florida banks, -10.95% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, Bayfirst National Bank reported -10.95% on return on assets in Q2 2026, 12.23 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.47% |
| Tier 1 risk-based capital ratio | 11.47% |
| Total risk-based capital ratio | 12.77% |
| Tier 1 leverage ratio | 8.30% |
| Equity capital to assets | 9.64% |
| Tangible equity to tangible assets | 8.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.78% |
| Non-performing assets ratio | 1.43% |
| Net charge-off ratio | 1.96% |
| Texas ratio | 13.35% |
| Allowance for credit losses to loans | 5.11% |
| Reserve coverage of non-performing loans | 287.21% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -10.95% |
| Return on equity | -135.85% |
| Net interest margin | 3.50% |
| Efficiency ratio | 654.11% |
| Yield on earning assets | 6.02% |
| Cost of funds | 2.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.16% |
| Core deposits to total deposits | 79.91% |
| Brokered deposits to total deposits | 16.35% |
| Deposits to assets | 88.34% |
| Securities to assets | 2.67% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.21% | 12.21% | 13.47% | 9.16% | 0.80% |
| Q4 2023 | 11.77% | 11.77% | 13.03% | 9.38% | 0.68% |
| Q1 2024 | 11.04% | 11.04% | 12.29% | 9.12% | 0.39% |
| Q2 2024 | 10.54% | 10.54% | 11.79% | 8.73% | 0.30% |
| Q3 2024 | 10.14% | 10.14% | 11.39% | 8.41% | 0.42% |
| Q4 2024 | 10.89% | 10.89% | 12.14% | 8.82% | 3.13% |
| Q1 2025 | 10.47% | 10.47% | 11.73% | 8.56% | -0.05% |
| Q2 2025 | 9.98% | 9.98% | 11.23% | 8.11% | -0.30% |
| Q3 2025 | 8.44% | 8.44% | 9.71% | 6.64% | -5.55% |
| Q4 2025 | 8.25% | 8.25% | 9.51% | 5.99% | -1.18% |
| Q1 2026 | 7.74% | 7.74% | 9.00% | 5.89% | -1.88% |
| Q2 2026 | 11.47% | 11.47% | 12.77% | 8.30% | -10.95% |
Bayfirst National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bayfirst National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)