Saint Petersburg, FL · Cert 34997 · Bayfirst Financial Corp.
National charter · OCC · 11 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
6
Profitability
13
Liquidity
98
Efficiency
0
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Saint Petersburg, FL · Cert 34997 · Bayfirst Financial Corp.
National charter · OCC · 11 branches
Q2 2026
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2026 SOD (annual) · 0.6% share · #19 of 60 inst. · $0.8B of $131.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 1.10% | -0.05% | -0.18% | -2.01% | -1.68% | -1.75% | -6.31% | -613 bps | |
| Return on Equity | 4.04% | 12.02% | -0.60% | -2.00% | -23.81% | -20.58% | -24.07% | -78.73% | -7,673 bps | |
| Net Interest Margin | 3.03% | 3.04% | 3.48% | 3.58% | 3.49% | 3.49% | 3.16% | 3.26% | -33 bps | |
| Efficiency Ratio | 77.64% | 67.08% | 78.98% | 76.48% | 108.57% | 108.01% | 140.96% | 246% | +16,965 bps | |
| Non-Interest Burden | 1.41% | 0.47% | 2.15% | 2.03% | 3.91% | 3.85% | 4.53% | 6.44% | +441 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.84% | 15.23% | 12.88% | 10.32% | 7.95% | 0.84% | -7.52% | -15.64% | -2,596 bps | |
| Loan Growth (YoY) | 18.49% | 16.47% | 15.76% | 11.65% | 4.76% | -9.63% | -14.23% | -21.58% | -3,323 bps | |
| Deposit Growth (YoY) | 9.27% | 15.98% | 11.93% | 11.67% | 5.34% | 3.58% | -3.74% | -14.02% | -2,569 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.63% | 1.79% | 2.46% | 2.10% | 2.39% | 2.68% | 2.46% | 2.14% | +4 bps | |
| Net Charge-Offs / Loans | 1.24% | 1.22% | 1.22% | 1.79% | 1.63% | 1.86% | 1.89% | 2.08% | +29 bps | |
| Allowance / Loans | 1.36% | 1.45% | 1.52% | 1.51% | 2.24% | 2.28% | 2.22% | 5.11% | +359 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.6x | 0.7x | 0.9x | 0.8x | 0.9x | 2.4x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.41% | 8.82% | 8.56% | 8.11% | 6.64% | 6.52% | 6.54% | 8.30% | +18 bps | |
| Total Risk-Based Capital | 11.39% | 12.14% | 11.73% | 11.23% | 9.71% | 10.18% | 9.84% | 12.77% | +154 bps | |
| Equity / Assets | 8.77% | 9.13% | 9.04% | 8.48% | 7.12% | 7.19% | 7.36% | 9.64% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.74% | 93.25% | 96.13% | 96.66% | 93.23% | 81.36% | 85.65% | 88.16% | -851 bps | |
| Liquid Assets / Assets | 5.17% | 6.06% | 4.73% | 5.58% | 8.71% | 15.73% | 10.89% | 12.00% | +642 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 393% | 314% | 330% | n/a | n/a | |
Saint Petersburg, FL · Cert 34997 · Peer group: banks $1B-$10B in assets (n=322-328) · Bayfirst Financial Corp.
National charter · OCC · 11 branches
Q2 2026
Return on Assets
-6.73%
Rank 328 of 328
Net Interest Margin
3.26%
Rank 204 of 328
Efficiency Ratio
246%
Rank 328 of 328
Equity / Assets
9.64%
Rank 206 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -6.73% | 0.91% | 1.22% | 1.52% | Beats 0% | 328 / 328 | ||
| Return on Equity | -69.81% | 8.43% | 11.45% | 14.43% | Beats 0% | 328 / 328 | ||
| Net Interest Margin | 3.26% | 3.03% | 3.45% | 3.83% | Beats 38% | 204 / 328 | ||
| Efficiency Ratio | 246% | 51.61% | 59.56% | 67.53% | Beats 0% | 328 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.14% | 0.24% | 0.51% | 1.03% | Beats 9% | 293 / 322 | ||
| Net Charge-Offs / Loans | 1.12% | 0.01% | 0.03% | 0.10% | Beats 3% | 312 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.47% | 11.75% | 13.15% | 15.47% | Beats 22% | 255 / 328 | ||
| Total Risk-Based Capital Ratio | 12.77% | 12.63% | 14.15% | 16.46% | Beats 27% | 241 / 328 | ||
| Equity / Assets | 9.64% | 9.15% | 10.33% | 12.01% | Beats 37% | 206 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.16% | 76.63% | 87.92% | 95.36% | 51st pctl | 159 / 323 | ||
| Loans / Assets | 77.88% | 65.18% | 74.15% | 79.98% | 67th pctl | 108 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||