Bayfirst National Bank
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
$1.1BAssets
$882.8MLoans
$1.0BDeposits
$109.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 38% of banks $1B-$10B in assets (rank 204 of 328).
- Widest gap: efficiency ratio trails 100% of banks $1B-$10B in assets (rank 328 of 328).
- Overall: at or above the peer median on 0 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $76.3M · efficiency ratio beats 0% of banks $1B-$10B in assets | 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 |