| Metric | BayFirst National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -15.4% | +5.5% | -20.9 pts |
| Deposit growth (YoY) | -14.0% | +5.1% | -19.1 pts |
| Loan growth (YoY) | -24.1% | +5.9% | -30.0 pts |
| ROA | -6.32% | 1.26% | -7.6 pts |
| ROE | -80.0% | 12.2% | -92.2 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.14B | $1.00B | $841.2M | $111.8M | $-38.1M | -6.32% | 3.52% | 1.71% |
| Q1 2026 | $1.19B | $1.09B | $907.0M | $84.3M | $-5.7M | -1.84% | 3.41% | 1.96% |
| Q4 2025 | $1.30B | $1.18B | $939.4M | $90.0M | $-23.3M | -1.78% | 3.84% | 2.03% |
| Q3 2025 | $1.34B | $1.17B | $1.07B | $95.7M | $-19.8M | -2.01% | 3.91% | 1.97% |
| Q2 2025 | $1.34B | $1.16B | $1.11B | $113.9M | $-1.2M | -0.18% | 3.99% | 1.79% |
| Q1 2025 | $1.29B | $1.13B | $1.07B | $116.8M | $-176K | -0.05% | 3.81% | 2.08% |
| Q4 2024 | $1.29B | $1.14B | $1.05B | $117.7M | $13.2M | 1.10% | 3.55% | 1.49% |
| Q3 2024 | $1.25B | $1.11B | $1.03B | $109.2M | $3.3M | 0.37% | 3.48% | 1.37% |
Loan mix (Q2 2026): real estate $616.0M · commercial $196.1M · consumer $74.0M · securities $30.3M
| Ratio | BayFirst National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -6.32% | 1.26% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -80.0% | 12.2% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 246.1% | 59.0% | 100th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | BayFirst National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | BayFirst National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | BayFirst National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | BayFirst National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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