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Bayfirst National Bank
Saint Petersburg, FL · FDIC Certificate #34997 · Chartered 02/1
Total assets
$1.14B
Total deposits
$1.00B
Total equity
$111.81M
Net loans
$841.17M
Branches (offices)
11
Net income (YTD)
-$38.13M
Rank: #933 of 4,213 U.S. banks by assets · #30 of 81 in Florida. Assets changed -15.5% and deposits -14.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -6.32% |
| Return on equity | -79.98% |
| Net interest margin (YTD) | 3.52% |
| Equity to assets | 9.84% |
| Tier 1 leverage ratio | 8.61% |
| Uninsured deposits (share of deposits) | 19.5% |
| Noncurrent loans (share of loans) | 2.13% |
| Net charge-offs (share of loans) | 1.98% |
| Loans to deposits | 84.0% |
| Real estate loans (share of loans) | 73.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $615.98M | 73.2% | |
| Commercial & industrial | $196.13M | 23.3% | |
| Consumer / individual | $74.02M | 8.8% | |
| Construction & development | $38.09M | 4.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $921.27M | $766.19M | $459.00K | $101.67M |
| Jun 2023 | $1.09B | $945.54M | $2.72M | $98.74M |
| Jun 2024 | $1.22B | $1.04B | $1.98M | $107.93M |
| Jun 2025 | $1.34B | $1.16B | -$1.16M | $113.95M |
| Jun 2026 | $1.14B | $1.00B | -$38.13M | $111.81M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $1.00B | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.00B.
Similar-sized banks
The Citizens Bank ($1.14B) · Hilltop National Bank ($1.14B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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