Bayfirst National Bank (FDIC #34997): Bank Stress & Real-Estate Credit Exposure
Bayfirst National Bank (FDIC Cert #34997): bank stress 90/100, severe, STABLE over 7 days; parent BAYFIRST FINANCIAL CORP (BAFN).
Bayfirst National Bank (#34997) lends in 4 counties across 1 state; Bayfirst National Bank (#34997) reaches 151 ZIP codes: Florida 4 counties, 151 ZIPs.
Bayfirst National Bank (#34997) largest markets: Hillsborough County, FL (116 branches, 58 ZIPs) (#34997), Pinellas County, FL (240 branches, 48 ZIPs) (#34997), Sarasota County, FL (84 branches, 28 ZIPs) (#34997), Manatee County, FL (22 branches, 22 ZIPs) (#34997).
Bayfirst National Bank (#34997) reports $1.14 billion in total assets; Bayfirst National Bank (#34997) equity $111.8 million (9.8% of Bayfirst National Bank (#34997) assets); Bayfirst National Bank (#34997) domestic deposits $1.00 billion; Bayfirst National Bank (#34997) net income minus $38.1 million; Bayfirst National Bank (#34997) return on assets -6.32%; Bayfirst National Bank (#34997) return on equity -79.98%; Bayfirst National Bank (#34997) net interest income $19.1 million; Bayfirst National Bank (#34997) call report June 30, 2026.
Bayfirst National Bank (#34997) noncurrent real-estate loans 0.44% of its book; Bayfirst National Bank (#34997) residential 0.41%; Bayfirst National Bank (#34997) net charge-offs on real estate 2.55%; Bayfirst National Bank (#34997) residential charge-offs 4.12%.
Bayfirst National Bank (#34997) net interest margin 3.52% against an eight-quarter Bayfirst National Bank (#34997) average of 3.69% (Bayfirst National Bank (#34997) compression 0.17 points); Bayfirst National Bank (#34997) real-estate loans 44.5% of equity; Bayfirst National Bank (#34997) non-residential real estate 411.8% of equity; Bayfirst National Bank (#34997) rate-exposure score 40/100, Bayfirst National Bank (#34997) fixed-rate trap 40/100; Bayfirst National Bank (#34997) risk type credit driven; Bayfirst National Bank (#34997) rate regime rates elevated; Bayfirst National Bank (#34997) shares 36.1% below the 52-week high, Bayfirst National Bank (#34997) equity trend drawdown, Bayfirst National Bank (#34997) snapshot October 19, 2026.
Bayfirst National Bank (#34997) stress score moved from 98 on June 22, 2026 to 89.9 on October 19, 2026; Bayfirst National Bank (#34997) ranged 89.9 to 98 over 116 snapshots.
Bayfirst National Bank (#34997) alerts: 4 counties; top Bayfirst National Bank (#34997) alert scores: Seminole County, FL 48 (moderate); Sarasota County, FL 48 (moderate); Bradenton County, FL 32 (low); Tampa County, FL 32 (low).