BayFirst National Bank
Saint Petersburg, FL
IDRSSD: 2771694
Total Assets
$1.34B
Latest filing
Total Deposits
$1.17B
Latest filing
Net Interest Margin
3.75%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
BayFirst National Bank
700 Central Ave
Saint Petersburg, FL 33701
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/12/1999FDIC Certificate 73819
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| BayFirst National Bank (Main) | 700 Central Ave | Saint Petersburg, FL |
| PINELLAS PARK OFFICE | 5250 Park Blvd N | Pinellas Park, FL |
| SEMINOLE BRANCH | 9190 Seminole Blvd | Seminole, FL |
| COUNTRYSIDE BRANCH | 2520 Countryside Blvd | Clearwater, FL |
| SARASOTA BRANCH | 2033 Main St | Sarasota, FL |
| TAMPA BRANCH | 3015 W Columbus Dr | Tampa, FL |
| BELLEAIR BLUFFS BRANCH | 401 Indian Rocks Rd N | Belleair Bluffs, FL |
| WEST BRADENTON BRANCH | 2102 59th St W | Bradenton, FL |
Showing 7 of 11
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 02/12/1999 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 33701 |
| State and County Number | 12103 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Tampa-St. Petersburg-Clearwater, FL |
Operational Info
| Number of Employees | 300 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 02/12/1999 |
| Primary Insurance Agency | DIF |
| Website | www.bayfirstfinancial.com |
| Data Updated | 11/14/2025 |
| CERT | 34997 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.34B |
| Total Deposits | $1.17B |
| Total Liabilities | $1.25B |
| Total Equity Capital | $95.67M |
| Net Income | $-18,665,000 |
| Net Loans and Leases | $1.07B |
| Assets Per Employee ($Millions) | $5.67M |
| Bank Premises and Fixed Assets | $46.53M |
| Cash and Balances due from Depository Institutions | $119.77M |
| Deposits Held in Domestic Offices | $1.17B |
Key Performance Ratios
| Return on Assets (ROA) | -5.55% |
| Return on Equity (ROE) | -71.23% |
| Net Interest Margin | 3.75% |
| Efficiency Ratio | 242.7% |
| Tier 1 Risk-Based Capital Ratio | 8.443% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 3.25% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.116% |
| Earning Assets to total Assets | 90.39% |
Income and Expense
| Total Interest Income | $21.65M |
| Total Noninterest Income | $-1,089,000 |
| Total Interest Expense | $10.27M |
| Total Noninterest Expense | $24.98M |
| Net Interest Income | $11.38M |
| Pre-tax Net Operating Income | $-25,603,000 |
| Provision for Credit Losses | $10.91M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $400.00k |
| Other borrowed funds | $50.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $26.71M |
| Total Liabilities and Capital | $1.34B |
Securities
| Securities | $32.35M |
| Available-for-sale debt securities | $29.86M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $2.50M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of BayFirst National Bank?
$1.34B as of the latest filing.
How much are BayFirst National Bank's total deposits?
$1.17B in total deposits.
Where is BayFirst National Bank located?
Saint Petersburg, FL.
What is the Net Interest Margin?
3.75%.
How many domestic offices does it operate?
12.
When was it established?
02/12/1999.
What is the Return on Assets (ROA)?
-5.55%.
How much are total loans and leases?
$1.07B (latest filing).
What is the total interest income (latest filing)?
$21.65M.