BlastPoint's Banking Scorecard

BayFirst National Bank

$1B-$10B Specialty: Commercial FL FDIC cert 34997

Designations: ✓ Community bank

Saint Petersburg, FL

11 branches across FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 24 in FL.
Deposits -14.0% year over year ($1.0B on the books).
Delinquency rate 2.25%.
Return on assets -6.32%.
Efficiency ratio 246.13% vs a 59.73% peer average.
Loan-to-deposit ratio 84.00% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 24 in FL

View $1B-$10B leaderboard (FL) →

BayFirst National Bank faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 15.0% in tier
- Return on Assets 7.71% below tier average
- Delinquency Rate 1.38% above tier average
- Nonperforming Asset Ratio 1.04% above tier average
- Non-Interest Income / Assets 1.05% below tier average
- Net Interest Margin 0.35% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$1.1B -15.5% YoY -4.6% QoQ	-$1.7B	$2.8B -0.6% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	Bottom 12.7% in tier
Total Loans ?	$841.2M -24.1% YoY -7.3% QoQ	-$1.1B	$2.0B -0.3% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	17%
Total Deposits ?	$1.0B -14.0% YoY -7.8% QoQ	-$1.3B	$2.3B -0.5% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	16%
Return on Assets ?	-6.32% -243.9% QoQ	-7.71%	1.39% +17.0% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	Bottom 0.1% in tier
Net Interest Margin ?	3.52% -11.6% YoY +3.4% QoQ	-0.35%	3.87% +6.2% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	38%
Efficiency Ratio ?	246.13% +221.8% YoY +74.4% QoQ	+186.41%	59.73% -12.6% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	Bottom 0.1% in tier
Delinquency Rate ?	2.25% +5.6% YoY -11.0% QoQ	+1.38%	0.87% +11.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	Bottom 7.1% in tier
Loan-to-Deposit Ratio ?	84.00% -11.8% YoY +0.6% QoQ	-1.04%	85.04% -0.1% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	58%
Non-Interest-Bearing Deposit Share ?	12.92% +36.1% YoY +25.4% QoQ	-8.36%	21.27% -1.5% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	18%
Nonperforming Asset Ratio ?	1.71% -4.2% YoY -12.5% QoQ	+1.04%	0.67% +11.7% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	Bottom 8.2% in tier
Tier 1 Capital Ratio ?	11.89% +19.2% YoY +46.0% QoQ	-2.95%	14.84% -0.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	31%
Non-Interest Income / Assets ?	-0.53% -136.4% YoY -839.1% QoQ	-1.05%	0.53% +2.5% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	Bottom 0.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Noninterest-Bearing	12.9% +3.4pp YoY +2.6pp QoQ	-8.5pp	21.4%	27.7%	22.2%	18%
Brokered Deposits	16.4% +0.3pp YoY -0.6pp QoQ	+6.9pp	9.5%	8.7%	8.5%	84%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	23.3% -4.1pp YoY -0.8pp QoQ	+9.3pp	14.0%	12.9%	12.5%	86%
CRE	30.5% -2.4pp YoY +1.8pp QoQ	-19.5pp	50.0%	50.6%	41.4%	12%
1-4 Family	42.4% +9.9pp YoY +2.4pp QoQ	+15.9pp	26.4%	30.7%	31.3%	84%
Consumer	8.8% +0.3pp YoY -0.3pp QoQ	+4.1pp	4.7%	3.7%	5.0%	88%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	11.9% +1.9pp YoY +3.8pp QoQ	-3.7pp	15.6%	19.8%	19.7%	21%
Leverage Ratio	8.6% +0.5pp YoY +2.4pp QoQ	-2.7pp	11.3%	13.9%	12.6%	6%
Total Capital Ratio	13.2% +2.0pp YoY +3.8pp QoQ	-3.5pp	16.7%	21.1%	20.8%	25%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	148 -152 (-50.7%) YoY +5 (+3.5%) QoQ	-166	313	295	482	21%
Assets per Employee ($)	$7.7M +71.4% YoY -7.8% QoQ	-$2.8M	$10.5M	$10.3M	$8.8M	34%
Branch Count	11 -1 (-8.3%) YoY -1 (-8.3%) QoQ	-9	20	13	18	35%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	0.4% +0.1pp YoY 0.0pp QoQ	+0.2pp	0.2%	0.3%	0.4%	92%
Nonaccrual	1.9% 0.0pp YoY -0.3pp QoQ	+1.0pp	0.8%	0.7%	1.0%	91%
Allowance Coverage	2.39x +230.3% YoY +164.6% QoQ	-16.32x	18.71x	16.62x	20.23x	56%
Net Charge-off Rate (YTD)	2.0% +0.1pp YoY 0.0pp QoQ	+1.7pp	0.3%	0.2%	0.2%	97%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	-80.0% -78.0pp YoY -53.8pp QoQ	-92.6pp	12.6%	9.3%	11.6%	0%
Cost of Funds (YTD)	2.7% -0.6pp YoY -0.1pp QoQ	+0.8pp	1.9%	1.8%	1.7%	90%
Net Income ($, YTD)	$-38133000.0 -3190.2% YoY — QoQ	-$57.4M	$19.2M	$25.2M	$40.4M	0%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Efficiency Drag

risk

#10 of 60 • Bottom 15.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 246.13%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

60 of 60 Mid-Market banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

885

Efficiency Ratio

profitability

Value: 246.13%

Peer Median: 59.73%

#885 of 885 Bottom 0.1% in $1B-$10B

885

Return on Assets

profitability

Value: -6.32%

Peer Median: 1.39%

#885 of 885 Bottom 0.1% in $1B-$10B

884

Non-Interest Income / Assets

revenue_mix

Value: -0.53%

Peer Median: 0.53%

#884 of 885 Bottom 0.2% in $1B-$10B

820

Delinquency Rate

credit_quality

Value: 2.25%

Peer Median: 0.87%

#820 of 882 Bottom 7.1% in $1B-$10B

813

Nonperforming Asset Ratio

credit_quality

Value: 1.71%

Peer Median: 0.67%

#813 of 885 Bottom 8.2% in $1B-$10B

774

Total Assets

size

Value: $1.14B

Peer Median: $2.79B

#774 of 885 Bottom 12.7% in $1B-$10B

742

Total Deposits

size

Value: $1.00B

Peer Median: $2.32B

#742 of 885 Bottom 16.3% in $1B-$10B

733

Total Loans

size

Value: $841.17M

Peer Median: $1.96B

#733 of 885 Bottom 17.3% in $1B-$10B

723

Non-Interest-Bearing Deposit Share

funding

Value: 12.92%

Peer Median: 21.27%

#723 of 885 Bottom 18.4% in $1B-$10B