Headquartered in Saint Petersburg, Florida, BayFirst National Bank is a national bank with $1.1B in total assets and $1.0B in deposits as of Q2 2026. It operates 12 offices. Its charter dates back to 1999.
Based on its Q2 2026 filing, BayFirst National Bank scores 36/100, which we describe as low. That is higher than only 1% of 897 banks with $1 billion – $10 billion. Among 82 banks headquartered in Florida, it ranks 82nd. Its strongest component is problem-loan coverage (75/100; 12.4%), and its lowest is earnings (0/100; -6.32%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (35 → 36).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 48 |
| Q3 2024 | 45 |
| Q4 2024 | 51 |
| Q1 2025 | 34 |
| Q2 2025 | 35 |
| Q3 2025 | 26 |
| Q4 2025 | 24 |
| Q1 2026 | 25 |
| Q2 2026 | 36 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.73% |
| Q3 2024 | 8.41% |
| Q4 2024 | 8.82% |
| Q1 2025 | 8.56% |
| Q2 2025 | 8.11% |
| Q3 2025 | 6.64% |
| Q4 2025 | 6.18% |
| Q1 2026 | 6.20% |
| Q2 2026 | 8.61% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.38% |
| Q3 2024 | 1.63% |
| Q4 2024 | 1.79% |
| Q1 2025 | 2.46% |
| Q2 2025 | 2.10% |
| Q3 2025 | 2.39% |
| Q4 2025 | 2.69% |
| Q1 2026 | 2.47% |
| Q2 2026 | 2.13% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.34% |
| Q3 2024 | 0.37% |
| Q4 2024 | 1.10% |
| Q1 2025 | -0.05% |
| Q2 2025 | -0.18% |
| Q3 2025 | -2.01% |
| Q4 2025 | -1.78% |
| Q1 2026 | -1.84% |
| Q2 2026 | -6.32% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 36 | $1.1B | 8.61% | 2.13% | -6.32% | 84.0% |
| Q1 2026 | 25 | $1.2B | 6.20% | 2.47% | -1.84% | 83.5% |
| Q4 2025 | 24 | $1.3B | 6.18% | 2.69% | -1.78% | 79.3% |
| Q3 2025 | 26 | $1.3B | 6.64% | 2.39% | -2.01% | 91.1% |
| Q2 2025 | 35 | $1.3B | 8.11% | 2.10% | -0.18% | 95.2% |
| Q1 2025 | 34 | $1.3B | 8.56% | 2.46% | -0.05% | 94.7% |
| Q4 2024 | 51 | $1.3B | 8.82% | 1.79% | 1.10% | 91.9% |
| Q3 2024 | 45 | $1.2B | 8.41% | 1.63% | 0.37% | 92.5% |
| Q2 2024 | 48 | $1.2B | 8.73% | 1.38% | 0.34% | 95.4% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State BankBank Key West, FL | 67 out of 100, Moderate | $1.2B | 10.3% | 0.15% | vs |
| Helm Bank USABank Miami, FL | 59 out of 100, Moderate | $1.2B | 11.2% | 1.65% | vs |
| Brannen BankBank Inverness, FL | 65 out of 100, Moderate | $1.0B | 6.1% | 0.45% | vs |
| Bank of Central FloridaBank Lakeland, FL | 69 out of 100, Moderate | $1.2B | 8.7% | 0.21% | vs |
| OptimumBankBank Fort Lauderdale, FL | 76 out of 100, Strong | $1.4B | 10.5% | 0.18% | vs |
| Grove Bank & TrustBank Miami, FL | 68 out of 100, Moderate | $1.4B | 10.0% | 0.01% | vs |
Deposit insurance
Is my money safe at BayFirst National Bank?
Yes. BayFirst National Bank is an FDIC-insured institution (FDIC certificate #34997). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.5% of deposits ($195.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.61%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.19% (benchmark: 10%).
12 locations
Branches
BayFirst National Bank lists 12 offices in 8 cities. Most locations:
- Sarasota, FL (3)
- Tampa, FL (3)
- Belleair Bluffs, FL (1)
- Bradenton, FL (1)
- Clearwater, FL (1)
- Pinellas Park, FL (1)
- Saint Petersburg, FL (1)
- Seminole, FL (1)
Identity & history
Profile
- Legal name
- BayFirst National Bank
- Former names
- First Home Bank
- Type
- National bank
- FDIC certificate #
- 34997
- RSSD ID
- 2771694
- Primary regulator
- OCC
- Holding company
- Bayfirst Financial Corp
- Established
- February 12, 1999
- Headquarters
- 700 Central Ave, Saint Petersburg, FL 33701
- Website
- www.bayfirstfinancial.com
- Employees
- 148
Quick answers
BayFirst National Bank: common questions
Is BayFirst National Bank FDIC insured?
Yes. BayFirst National Bank is an FDIC-insured institution (FDIC certificate #34997). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is BayFirst National Bank's TellerScore?
36 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has BayFirst National Bank ever failed?
There is no failure record for FDIC certificate #34997 in the FDIC failed bank list.
How many branches does BayFirst National Bank have?
12 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Saint Petersburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 1st Street Credit UnionCredit union Sarasota, FL | 89 out of 100, Very strong | $34.5M | 14.7% | 0.10% | vs |
| Transport Credit UnionCredit union Tampa, FL | 85 out of 100, Very strong | $35.8M | 18.6% | 0.52% | vs |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Gallup Federal Credit UnionCredit union Omaha, NE | 84 out of 100, Strong | $16.4M | 18.1% | 0.05% | vs |
| Florida Customs Federal Credit UnionCredit union Tampa, FL | 83 out of 100, Strong | $6.8M | 26.8% | 0.40% | vs |
| Franklin-Somerset Federal Credit UnionCredit union Madison, ME | 81 out of 100, Strong | $149.3M | 12.9% | 0.75% | vs |