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

884 banks in the $1B-$10B peer group nationally 27 in 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

- Capital Thin: Bottom 0.5% in tier
- Efficiency Drag: Bottom 17.6% in tier
- Return on Assets 3.12% below tier average
- Delinquency Rate 1.63% above tier average
- Nonperforming Asset Ratio 1.28% above tier average
- Net Interest Margin 0.41% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$1.2B -7.5% YoY -8.0% QoQ	-$1.6B	$2.8B -0.1% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	17%
Total Loans ?	$909.8M -14.8% YoY -3.4% QoQ	-$1.1B	$2.0B +0.6% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	26%
Total Deposits ?	$1.1B -3.7% YoY -8.3% QoQ	-$1.3B	$2.3B -0.3% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	22%
Return on Assets ?	-1.75% -4.0% QoQ	-3.12%	1.37% +19.6% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	Bottom 0.5% in tier
Net Interest Margin ?	3.40% -10.7% YoY -12.5% QoQ	-0.41%	3.82% +6.9% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	35%
Efficiency Ratio ?	140.96% +78.5% YoY +30.5% QoQ	+79.90%	61.06% -4.6% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	Bottom 0.6% in tier
Delinquency Rate ?	2.52% +0.5% YoY -8.4% QoQ	+1.63%	0.89% +14.1% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	Bottom 7.0% in tier
Loan-to-Deposit Ratio ?	83.75% -11.5% YoY +5.3% QoQ	-0.45%	84.20% +0.3% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	57%
Non-Interest-Bearing Deposit Share ?	10.30% +9.2% YoY +26.4% QoQ	-10.99%	21.29% -2.5% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	Bottom 12.4% in tier
Nonperforming Asset Ratio ?	1.95% -6.3% YoY -3.6% QoQ	+1.28%	0.67% +15.6% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	Bottom 6.6% in tier
Tier 1 Capital Ratio ?	8.58% -18.1% YoY -3.8% QoQ	-6.58%	15.16% +2.0% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	Bottom 0.1% in tier
Non-Interest Income / Assets ?	0.07% -89.5% YoY -94.9% QoQ	-0.19%	0.26% +1.6% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	19%

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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 (2)

Capital Thin

risk

#2 of 221 • Bottom 0.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 8.58%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#14 of 74 • Bottom 17.6% in tier

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

Why this signature

Efficiency Ratio: 140.96%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable | QoQ rank declining

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 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

884

Tier 1 Capital Ratio

capital

Value: 8.58%

Peer Median: 15.16%

#884 of 884 Bottom 0.1% in $1B-$10B

881

Return on Assets

profitability

Value: -1.75%

Peer Median: 1.37%

#881 of 884 Bottom 0.5% in $1B-$10B

880

Efficiency Ratio

profitability

Value: 140.96%

Peer Median: 61.06%

#880 of 884 Bottom 0.6% in $1B-$10B

827

Nonperforming Asset Ratio

credit_quality

Value: 1.95%

Peer Median: 0.67%

#827 of 884 Bottom 6.6% in $1B-$10B

819

Delinquency Rate

credit_quality

Value: 2.52%

Peer Median: 0.89%

#819 of 880 Bottom 7.0% in $1B-$10B

775

Non-Interest-Bearing Deposit Share

funding

Value: 10.30%

Peer Median: 21.29%

#775 of 884 Bottom 12.4% in $1B-$10B

739

Total Assets

size

Value: $1.19B

Peer Median: $2.82B

#739 of 884 Bottom 16.5% in $1B-$10B

720

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.26%

#720 of 884 Bottom 18.7% in $1B-$10B

689

Total Deposits

size

Value: $1.09B

Peer Median: $2.34B

#689 of 884 Bottom 22.2% in $1B-$10B