BayFirst Financial Corp.
BayFirst Financial Corp. operates as a bank holding company through its wholly owned subsidiary, BayFirst National Bank, serving consumers and small businesses primarily in the Tampa Bay and Sarasota regions of Florida. The company maintains consolidated total assets of approximately $1.30 billion, total loans held… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What BayFirst Financial Corp. does
In the company’s own words
BayFirst Financial Corp. operates as a bank holding company through its wholly owned subsidiary, BayFirst National Bank, serving consumers and small businesses primarily in the Tampa Bay and Sarasota regions of Florida. The company maintains consolidated total assets of approximately $1.30 billion, total loans held for investment of $963.9 million, total deposits of $1.18 billion, and total shareholders' equity of $87.6 million as of December 31, 2025.
The Bank commenced operations in February 1999 as a Florida state-chartered commercial bank and converted to a national banking association charter in 2022. It operates from twelve banking centers located across Pinellas, Hillsborough, Sarasota, Manatee, and Pasco Counties in Florida. The company employs 145 individuals, comprising 144 full-time and 1 part-time employee.
BayFirst's core business encompasses community banking services including deposit products such as interest-bearing and noninterest-bearing checking accounts, money market deposit accounts, savings accounts, certificates of deposit, and individual retirement accounts. The bank offers specialized deposit programs including Essential checking for customers rebuilding banking access, the TrendSetters Club for customers age 50 and older, and the Cash Kids' Club savings account for children age 12 and under.
The lending portfolio includes commercial real estate mortgages, construction and development loans, working capital loans, business expansion loans, personal lines of credit, auto and recreational vehicle loans, residential mortgages, and home equity lines of credit. The bank provides specialized healthcare banking solutions and minority lending programs. In the fourth quarter of 2025, management discontinued its nationwide SBA 7(a) lending business but continues offering SBA 504 and USDA loans through community banking centers. The bank previously discontinued its nationwide residential mortgage lending business in the third quarter of 2022.
Additional services include internet banking, online bill payment, lock box services, remote deposit capture, cash management, wire transfers, safety deposit boxes, merchant processing services, and retail investment services. The company maintains a commitment to community engagement through employee volunteer programs and diversity initiatives, with females representing 60 percent of the employee base and minorities comprising 34 percent of the workforce.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- ST PETERSBURG, FL
- Fiscal year end
- December
- CIK
- 1649739
- SIC
- 6022
Financial performance, year by year
Fiscal 2021–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns BayFirst Financial Corp. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · BayFirst Financial Corp.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
Compare this company with peers, find it in your funds and follow its financial history with your connected AI:
- “How do BayFirst Financial Corp. and its peers compare on margins and cash generation over ten years?”
- “Where did five years of BayFirst Financial Corp.'s earnings go — cash, debt, buybacks, reinvestment?”
- “What changed in BayFirst Financial Corp.'s last four quarterly filings that the numbers alone won't show?”