Call reports 2025
BAYFIRST NATIONAL BANK — 2025
What BAYFIRST NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,291,832,000 | 1,343,787,000 | 1,344,425,000 | 1,295,707,000 |
| Total loans | 1,084,818,000 | 1,125,799,000 | 1,092,735,000 | 961,422,000 |
| Allowance for loan losses | 16,513,000 | 17,041,000 | 24,485,000 | 21,996,000 |
| Securities available for sale | 36,317,000 | 30,255,000 | 29,857,000 | 29,364,000 |
| Securities held to maturity | 2,500,000 | 2,500,000 | 2,500,000 | 2,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,128,513,000 | 1,164,668,000 | 1,172,047,000 | 1,184,707,000 |
| Interest-bearing deposits | 1,022,031,000 | 1,054,099,000 | 1,065,520,000 | 1,088,207,000 |
| Noninterest-bearing deposits | 106,482,000 | 110,569,000 | 106,527,000 | 96,500,000 |
| Equity capital | 116,840,000 | 113,948,000 | 95,670,000 | 90,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 20,685,000 | 43,190,000 | 64,844,000 | 85,214,000 |
| Interest expense | 9,582,000 | 19,636,000 | 29,908,000 | 39,603,000 |
| Net interest income | 11,103,000 | 23,554,000 | 34,936,000 | 45,611,000 |
| Noninterest income | 8,723,000 | 19,482,000 | 18,393,000 | 18,254,000 |
| Noninterest expense | 15,659,000 | 32,916,000 | 57,897,000 | 69,608,000 |
| Provision for loan losses | 4,302,000 | 11,629,000 | 22,367,000 | 25,496,000 |
| Pretax income | -234,000 | -1,544,000 | -27,147,000 | -31,389,000 |
| Income tax | -58,000 | -385,000 | -7,323,000 | -8,048,000 |
| Net income | -176,000 | -1,159,000 | -19,824,000 | -23,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,360,000 | 106,646,000 | 88,737,000 | 81,812,000 |
| Total capital | 122,454,000 | 120,052,000 | 102,016,000 | 93,978,000 |
| Risk-weighted assets | 1,044,114,000 | 1,068,911,000 | 1,051,040,000 | 963,431,000 |