BlastPoint's Banking Scorecard
BayFirst National Bank
Community
Specialty: Commercial
FL
FDIC cert 34997
Saint Petersburg, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
BayFirst National Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.67% above tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 18% in Community
- - Return on Assets 2.85% below tier
- - Delinquency Rate 2.12% above tier
- - Non-Interest-Bearing Deposit Share 12.90% below tier
- - Nonperforming Asset Ratio 1.52% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+0.8% YoY
-3.4% QoQ
|
-$92.3M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$941.9M
-10.4% YoY
-11.8% QoQ
|
-$33.6M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$1.2B
+3.6% YoY
+1.1% QoQ
|
+$20.1M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
-1.68%
-253.1% YoY
+16.1% QoQ
|
-2.85% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
3.89%
+9.6% YoY
-0.6% QoQ
|
+0.23% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
108.01%
+61.0% YoY
-0.5% QoQ
|
+45.38% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
2.75%
+51.2% YoY
+12.6% QoQ
|
+2.12% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 5% in tier |
| Loan-to-Deposit Ratio ? |
79.50%
-13.5% YoY
-12.8% QoQ
|
-3.56% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
8.15%
-8.9% YoY
-10.4% QoQ
|
-12.90% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
2.02%
+35.5% YoY
+2.7% QoQ
|
+1.52% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
9.05%
-16.9% YoY
+7.2% QoQ
|
-1.20% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.41%
-70.0% YoY
+2.7% QoQ
|
+0.67% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 8%
in Community
Why this stands out
Current:
1.41%
(Tier avg: 0.74%, National avg: 0.65%)
Concerns (5)
Efficiency Drag
risk
#28 of 152 · Bottom 18% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
108.01%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
-1.68%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 5%
in Community
Why this stands out
Current:
2.75%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Community
Why this stands out
Current:
8.15%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
2.02%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Non-Interest Income / Assets
Current: 1.41% · Tier avg: 0.74%
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
65
65th pctile
Total Loans
Current: $941.9M · Tier avg: $975.5M
65
65th pctile
Net Interest Margin
Current: 3.89% · Tier avg: 3.66%
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
37
37th pctile
Loan-to-Deposit Ratio
Current: 79.50% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 9.05% · Tier avg: 10.24%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.15% · Tier avg: 21.05%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.02% · Tier avg: 0.50%
5
5th pctile
Delinquency Rate
Current: 2.75% · Tier avg: 0.63%
1
1th pctile
Efficiency Ratio
Current: 108.01% · Tier avg: 62.63%
0
0th pctile
Return on Assets
Current: -1.68% · Tier avg: 1.16%
Top Weaknesses
0
0th pctile
Return on Assets
Current: -1.68% · Tier avg: 1.16%
1
1th pctile
Efficiency Ratio
Current: 108.01% · Tier avg: 62.63%
5
5th pctile
Delinquency Rate
Current: 2.75% · Tier avg: 0.63%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.02% · Tier avg: 0.50%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.15% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 9.05% · Tier avg: 10.24%
37
37th pctile
Loan-to-Deposit Ratio
Current: 79.50% · Tier avg: 83.06%
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
65
65th pctile
Net Interest Margin
Current: 3.89% · Tier avg: 3.66%
65
65th pctile
Total Loans
Current: $941.9M · Tier avg: $975.5M
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
92
92th pctile
Non-Interest Income / Assets
Current: 1.41% · Tier avg: 0.74%