Side-by-side · Q2 2026 data
BayFirst National Bank vs Franklin-Somerset Federal Credit Union
Metric by metric
| Measure | BayFirst National Bank | Franklin-Somerset Federal Credit Union |
|---|---|---|
| TellerScore | 36 | 81 (stronger) |
| Capital cushion | 36 | 79 (stronger) |
| Loan quality | 29 | 75 (stronger) |
| Earnings | 0 | 68 (stronger) |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 75 | 95 (stronger) |
| Peer percentile | 1st | 80th |
| Total assets | $1.1B | $149.3M |
| Deposits / shares | $1.0B | $129.3M |
| Capital ratio | 8.61% | 12.92% (stronger) |
| Problem loans | 2.13% | 0.75% (stronger) |
| Net charge-offs | 1.98% | 0.40% (stronger) |
| Return on assets | -6.32% | 1.20% (stronger) |
| Loans ÷ deposits | 84.0% | 50.6% (stronger) |
| Uninsured deposits | 19.5% | 5.1% (stronger) |
| Offices | 12 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Franklin-Somerset Federal Credit Union has the higher TellerScore (81 vs 36). On the 7 directional measures above (where higher or lower is clearly better), BayFirst National Bank leads on 0 and Franklin-Somerset Federal Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.