Total Assets
$1.1B
Total Deposits
$1.0B
Branches
12
Established
1999
BayFirst National Bank is a bank headquartered in Saint Petersburg, Florida, established in 1999. It holds $1.1B in total assets across 12 branch locations. In our editorial opinion, based on public FDIC/NCUA data, BayFirst National Bank earns a TFS Financial Health Grade of F (47.1/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
47.1 / 100
Poor financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| BayFirst National BankHQ | 700 Central Ave | Saint Petersburg | FL | 11 |
| BayFirst National Bank | 401 Indian Rocks Rd N | Belleair Bluffs | FL | 11 |
| BayFirst National Bank | 2102 59th St W | Bradenton | FL | 11 |
| BayFirst National Bank | 2520 Countryside Blvd | Clearwater | FL | 11 |
| BayFirst National Bank | 5250 Park Blvd N | Pinellas Park | FL | 11 |
| BayFirst National Bank | 2075 S. Tamiami Trail | Sarasota | FL | 11 |
| BayFirst National Bank | 2033 Main St | Sarasota | FL | 11 |
| BayFirst National Bank | 5600 Bee Ridge Rd | Sarasota | FL | 11 |
| BayFirst National Bank | 1782 Dr. Martin Luther King Jr. Way | Sarasota | FL | 11 |
| BayFirst National Bank | 9190 Seminole Blvd | Seminole | FL | 11 |
| BayFirst National Bank | 3015 W Columbus Dr | Tampa | FL | 11 |
| BayFirst National Bank | 16002 N. Dale Mabry | Tampa | FL | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
47.1
Tier 1 capital ratio
8.61%
Return on assets
-6.32%
Non-performing loans
2.13%
Efficiency ratio
246.13%
Asset growth (YoY)
-15.45%
Suggested direct comparisons
Jacksonville, FL
$46.7B
$1.2B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.