Visbanking Logo
Skip to main content

Bayfirst National Bank

IDRSSD: 2771694
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Vital Signs Report

5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2026-Q1. Composite Vital Signs Score and ranked Watch Items.

Synthesis

Vital Signs Score
61
/ 100
StableAs of 2026-Q1QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #2771694 2026-Q1 Vital Signs Score: 61/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Risk
Asset Quality:Watch
Reserves:Stable

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.86% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.52% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ -2
82
Sub-score

Liquidity is strong: brokered 16.9%, loans/deposits 83.8%, cash 11.3% of assets.

Cash / Assets
11.26%
Loans / Deposits
83.75%
Brokered %
16.93%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.21%
No watch items at this period.

Capitalization

RiskQoQ -5
28
Sub-score

Capital position is weak: Tier 1 RBC 8.58%, CET1 8.58%, leverage 6.49%.

Tier 1 RBC
8.58%
CET1
8.58%
Leverage
6.49%
No watch items at this period.

Asset Quality

WatchQoQ -3
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.52%, Texas Ratio 23.0%, NCO YTD 1.86%.

Adjusted NPL
2.52%
Govt-guarantees stripped
Texas Ratio
23.0%
NCO YTD
1.86%
30-89 PD
2.46%
Band 0.3% / 3.0%
90+ PD
0.35%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.52% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.86% of loans.

Reserves

StableQoQ +4
71
Sub-score

Reserves are stable: ALLL 2.22% of loans, coverage 90.1%, true coverage 90.1%.

ALLL / Loans
2.22%
Coverage
90.1%
True Loss Coverage
90.1%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. Pillars with no available metrics are dropped from the denominator (renormalised). See functions/src/vitalSignsScore.ts for exact formula and sub-score band anchors.
Pillar status
Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
Watch Items
Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
Adjusted NPL
Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
True Loss Coverage Ratio
ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
Past-due 30-89 / 90+ PD
Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring, Watch Item rules, and per-quarter URL surface are Visbanking's own work.

Generated: 2026-05-13 13:31:42 UTC