What is BayFirst National Bank's financial health grade?

BayFirst National Bank has a TFS Financial Health Grade of F (score: 51.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does BayFirst National Bank have?

BayFirst National Bank has 12 branch locations across the United States.

Is BayFirst National Bank FDIC insured?

Yes, BayFirst National Bank is FDIC insured (Certificate #34997).

What are the total assets of BayFirst National Bank?

BayFirst National Bank has total assets of $1.3B as reported in its most recent FDIC filing.

BayFirst National Bank

BankSaint Petersburg, Florida

www.bayfirstfinancial.com

Total Assets

$1.3B

Total Deposits

$1.2B

Branches

Established

1999

TFS Health Grade

51.8 / 100

Poor financial health

How we grade

BayFirst National Bank is a bank headquartered in Saint Petersburg, Florida, established in 1999. With $1.3B in total assets and 12 branch locations, it has a TFS Financial Health Grade of F (51.8/100).

Capital & Safety

Tier 1 Capital Ratio

6.63%(8%)

Total Capital Ratio

10.31%(10%)

Non-Performing Loan Ratio

2.68%

Profitability

Return on Assets (ROA)

-1.68%(1%)

Return on Equity (ROE)

-20.58%(10%)

Net Interest Margin

3.89%

Efficiency Ratio

108.01%(60%)

Lending & Liquidity

Total Loans

$963.9M

Loan-to-Deposit Ratio

79.50%

Net Charge-Off Ratio

1.68%

Growth

Asset Growth (YoY)

+0.84%

Deposit Growth (YoY)

+3.58%

Net Income

$-22,122,000

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
BayFirst National BankHQ	700 Central Ave	Saint Petersburg	FL	11
BayFirst National Bank	401 Indian Rocks Rd N	Belleair Bluffs	FL	11
BayFirst National Bank	2102 59th St W	Bradenton	FL	11
BayFirst National Bank	2520 Countryside Blvd	Clearwater	FL	11
BayFirst National Bank	5250 Park Blvd N	Pinellas Park	FL	11
BayFirst National Bank	2075 S. Tamiami Trail	Sarasota	FL	11
BayFirst National Bank	2033 Main St	Sarasota	FL	11
BayFirst National Bank	5600 Bee Ridge Rd	Sarasota	FL	11
BayFirst National Bank	1782 Dr. Martin Luther King Jr. Way	Sarasota	FL	11
BayFirst National Bank	9190 Seminole Blvd	Seminole	FL	11
BayFirst National Bank	3015 W Columbus Dr	Tampa	FL	11
BayFirst National Bank	16002 N. Dale Mabry	Tampa	FL	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.