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Bayfirst National Bank

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

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q3QoQ -2

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

Quarterly Headline

2024-Q3

Bank #2771694 2024-Q3 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.08% of loans.

What changed this quarter

Compared to Q2 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -12

The five pillars

Liquidity

StableQoQ +1
74
Sub-score

Liquidity is stable: brokered 6.9%, loans/deposits 92.5%, cash 5.4% of assets.

Cash / Assets
5.35%
Loans / Deposits
92.47%
Brokered %
6.91%
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
0.20%
No watch items at this period.

Capitalization

WatchQoQ -6
53
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.14%, CET1 10.14%, leverage 8.34%.

Tier 1 RBC
10.14%
CET1
10.14%
Leverage
8.34%
No watch items at this period.

Asset Quality

StableQoQ +3
76
Sub-score

Asset quality is stable: Adjusted NPL 1.66%, Texas Ratio 14.6%, NCO YTD 1.08%.

Adjusted NPL
1.66%
Govt-guarantees stripped
Texas Ratio
14.6%
NCO YTD
1.08%
30-89 PD
0.95%
Band 0.3% / 3.0%
90+ PD
0.17%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.08% of loans.

Reserves

StableQoQ -12
61
Sub-score

Reserves are stable: ALLL 1.36% of loans, coverage 83.2%, true coverage 83.2%.

ALLL / Loans
1.36%
Coverage
83.2%
True Loss Coverage
83.2%
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%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
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 is Visbanking's own.

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