Bank · FDIC insured
BayFirst Financial
A $1.1B bank headquartered in St. Petersburg, FL, with 11 branches in Florida. Best rates: CDs 3.64% and savings 1.19% APY.
BayFirst Financial Carrot Score
76
Carrot Score
Higher than 41% of U.S. banks and credit unions
#34 of 54 in Tampa, FL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About BayFirst Financial
BayFirst National Bank is headquartered in St. Petersburg, Florida.
- Headquarters
- 700 Central Ave, St. Petersburg, FL 33701
- FDIC certificate
- 34997 ↗
Branches
11 branches in Florida
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Florida
11 branches
Tampa area · 7
- BayFirst National BankMain office700 Central Ave, St. Petersburg, FL 33701Directions
- Belleair Bluffs Branch401 Indian Rocks Rd N, Belleair Bluffs, FL 33770Directions
- Countryside Branch2520 Countryside Blvd, Clearwater, FL 33763Directions
- Pinellas Park Office5250 Park Blvd N, Pinellas Park, FL 33781Directions
- Seminole Branch9190 Seminole Blvd, Seminole, FL 33772Directions
- Carollwood Branch16002 N. Dale Mabry, Tampa, FL 33618Directions
- Tampa Branch3015 W Columbus Dr, Tampa, FL 33607Directions
North Port area · 4
- West Bradenton Branch2102 59th St W, Bradenton, FL 34209Directions
- Bee Ridge Branch5600 Bee Ridge Rd, Sarasota, FL 34233Directions
- North Sarasota Branch1782 Dr. Martin Luther King Jr. Way, Sarasota, FL 34234Directions
- South Trail Sarasota Branch2075 S. Tamiami Trail, Sarasota, FL 34239Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.61% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 2.13% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | -6.32% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $88 | $88 | — |
- CapitalLeverage ratio8.61%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent2.13%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets-6.32%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$88Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of BayFirst Financial are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.