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BayFirst National Bank

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BayFirst National Bank Rates & Review July 2026

Q: How many branches does BayFirst National Bank operate?

BayFirst National Bank currently maintains approximately 12 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, BayFirst National Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, BayFirst National Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 11, 2026

You can compare BayFirst National Bank rates to other rates in our database, including 12-month CD rates currently at 3.70%, 6-month CD rates at 0.65% and 3-month CD rates at 3.80%. Savings rates are at 0.70% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 5.73%. All these rates can be compared to BayFirst National Bank rates. MonitorBankRates evaluates the financial stability of BayFirst National Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.71%. Rates were last updated on 07/11/2026.

BayFirst National Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at BayFirst National Bank? Share your experience about BayFirst National Bank by leaving a review below, or read customer reviews before you decide to use BayFirst National Bank.

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.71%

Excellent Higher than avg

BayFirst National Bank

700 Central Ave
Saint Petersburg, FL 33701

https://www.bayfirstfinancial.com

Current Rate Availability

We do not have BayFirst National Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for BayFirst National Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather BayFirst National Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with BayFirst National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name BayFirst National Bank

Bank Holding Company BAYFIRST FINANCIAL CORP

Address 700 Central Ave, Saint Petersburg, FL 33701 · Pinellas

Website https://www.bayfirstfinancial.com

FDIC Certificate # 34997

Established 02/12/1999

FDIC Insurance Date 02/12/1999

Domestic Offices 12

Total Branches 12

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

10.71%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6171%

Return on Equity (ROE) 6.5400%

Non-Performing Loans (NPL) 0.84%

Total Assets $1,299,138,000

Total Deposits $1,184,707,000

Equity Capital $93,436,000

Net Income $-22,122,000

Headquarters Saint Petersburg

Total Branches and Offices 12

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About BayFirst National Bank

How many branches does BayFirst National Bank operate?

BayFirst National Bank currently maintains approximately 12 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, BayFirst National Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, BayFirst National Bank provides members with tools to manage their accounts and build a solid financial history.

Does BayFirst National Bank offer online and mobile banking?

Most modern institutions like BayFirst National Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bayfirstfinancial.com.