Bayfirst National Bank: Bank Stress & Real-Estate Credit Exposure

Bayfirst National Bank (FDIC Cert #34997) carries a DLRadar bank-stress score of 90/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

County by county, that footprint includes Hillsborough County, FL, Pinellas County, FL, Sarasota County, FL, Manatee County, FL, among others DLRadar tracks parcel by parcel. The value is in the linkage: Bayfirst National Bank's severe reading is mapped onto 151 ZIP codes and 4 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Bayfirst National Bank is part of a publicly traded group, trading under ticker BAFN via Bayfirst Financial Corp, so its disclosures are public and its stress trajectory is externally verifiable. The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Its footprint is compact and single-state: 151 ZIP codes in 4 counties over 1 states. It concentrates most in Florida (4 counties). The Bayfirst National Bank score updates as fresh FDIC call reports post each quarter, so its 90/100 reading and 4-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Bayfirst National Bank is directly comparable to any lender in the country. Read against its 4-county reach, a severe score sets the credit tone for every market on its map. What separates this from a plain credit rating is the geographic weighting — Bayfirst National Bank's 90/100 reading reflects not just its balance sheet but the 4 counties it lends into, so the score doubles as a map of where its stress will land first.

The acquisition angle is simple — lending capacity is what moves deals. As Bayfirst National Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. The result is an early, auditable read on supply, every figure anchored to public data.