Side-by-side · Q2 2026 data
BayFirst National Bank vs OptimumBank
Metric by metric
| Measure | BayFirst National Bank | OptimumBank |
|---|---|---|
| TellerScore | 36 | 76 (stronger) |
| Capital cushion | 36 | 55 (stronger) |
| Loan quality | 29 | 94 (stronger) |
| Earnings | 0 | 98 (stronger) |
| Funding & liquidity | 71 (stronger) | 47 |
| Problem-loan coverage | 75 | 97 (stronger) |
| Peer percentile | 1st | 80th |
| Total assets | $1.1B | $1.4B |
| Deposits / shares | $1.0B | $1.2B |
| Capital ratio | 8.61% | 10.54% (stronger) |
| Problem loans | 2.13% | 0.18% (stronger) |
| Net charge-offs | 1.98% | 0.00% (stronger) |
| Return on assets | -6.32% | 1.95% (stronger) |
| Loans ÷ deposits | 84.0% (stronger) | 97.9% |
| Uninsured deposits | 19.5% (stronger) | 28.7% |
| Offices | 12 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
OptimumBank has the higher TellerScore (76 vs 36). On the 7 directional measures above (where higher or lower is clearly better), BayFirst National Bank leads on 2 and OptimumBank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.