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Bayfirst National Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
63
/ 100
StableAs of 2025-Q4QoQ -1

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

Quarterly Headline

2025-Q4

Bank #2771694 2025-Q4 Vital Signs Score: 63/100 — 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 1.77% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.75% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +11
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -6

The five pillars

Liquidity

StrongQoQ +11
84
Sub-score

Liquidity is strong: brokered 16.5%, loans/deposits 79.5%, cash 15.9% of assets.

Cash / Assets
15.93%
Loans / Deposits
79.50%
Brokered %
16.51%
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
0.19%
No watch items at this period.

Capitalization

RiskQoQ +6
34
Sub-score

Capital position is weak: Tier 1 RBC 9.05%, CET1 9.05%, leverage 6.59%.

Tier 1 RBC
9.05%
CET1
9.05%
Leverage
6.59%
No watch items at this period.

Asset Quality

WatchQoQ -13
52
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.75%, Texas Ratio 23.6%, NCO YTD 1.77%.

Adjusted NPL
2.75%
Govt-guarantees stripped
Texas Ratio
23.6%
NCO YTD
1.77%
30-89 PD
1.83%
Band 0.3% / 3.0%
90+ PD
0.34%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.75% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.77% of loans.

Reserves

StableQoQ -6
67
Sub-score

Reserves are stable: ALLL 2.28% of loans, coverage 85.0%, true coverage 85.0%.

ALLL / Loans
2.28%
Coverage
85.0%
True Loss Coverage
85.0%
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