Side-by-side · Q2 2026 data
BayFirst National Bank vs Bank of Central Florida
Metric by metric
| Measure | BayFirst National Bank | Bank of Central Florida |
|---|---|---|
| TellerScore | 36 | 69 (stronger) |
| Capital cushion | 36 | 37 (stronger) |
| Loan quality | 29 | 93 (stronger) |
| Earnings | 0 | 73 (stronger) |
| Funding & liquidity | 71 (stronger) | 70 |
| Problem-loan coverage | 75 | 97 (stronger) |
| Peer percentile | 1st | 53rd |
| Total assets | $1.1B | $1.2B |
| Deposits / shares | $1.0B | $1.1B |
| Capital ratio | 8.61% | 8.75% (stronger) |
| Problem loans | 2.13% | 0.21% (stronger) |
| Net charge-offs | 1.98% | 0.00% (stronger) |
| Return on assets | -6.32% | 1.32% (stronger) |
| Loans ÷ deposits | 84.0% | 73.3% (stronger) |
| Uninsured deposits | 19.5% (stronger) | 30.4% |
| Offices | 12 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.3% |
Bank of Central Florida has the higher TellerScore (69 vs 36). On the 7 directional measures above (where higher or lower is clearly better), BayFirst National Bank leads on 1 and Bank of Central Florida on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.