Side-by-side · Q2 2026 data
First State Bank vs BayFirst National Bank
Metric by metric
| Measure | First State Bank | BayFirst National Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 36 |
| Capital cushion | 53 (stronger) | 36 |
| Loan quality | 95 (stronger) | 29 |
| Earnings | 41 (stronger) | 0 |
| Funding & liquidity | 60 | 71 (stronger) |
| Problem-loan coverage | 98 (stronger) | 75 |
| Peer percentile | 44th | 1st |
| Total assets | $1.2B | $1.1B |
| Deposits / shares | $1.1B | $1.0B |
| Capital ratio | 10.32% (stronger) | 8.61% |
| Problem loans | 0.15% (stronger) | 2.13% |
| Net charge-offs | -0.06% (stronger) | 1.98% |
| Return on assets | 0.52% (stronger) | -6.32% |
| Loans ÷ deposits | 74.5% (stronger) | 84.0% |
| Uninsured deposits | 38.0% | 19.5% (stronger) |
| Offices | 8 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (67 vs 36). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 6 and BayFirst National Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.