BayFirst Financial Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	-	-	-	58.39	66.05	109.73
Securities and Investments	35.68	36.51	43.31	51.48	56.27	36.1
Other Earning Assets	-	-	-	91.51	27.08	11.07
Gross Loans	-	-	-	824.22	-	-
Allowance for Loan Losses	-20.63	-22	-15.51	-13.5	-	-
Net Loans	-20.63	-22	-15.51	810.72	692.53	560.88
Net Property, Plant & Equipment	-	-	-	41.29	38.62	32.35
Accrued Interest and Accounts Receivable	-	-	-	7.13	4.45	3.53
Other Intangible Assets	-	-	-	14.96	10.91	6.41
Long-Term Investments	-	-	-	25.8	25.16	24.55
Other Non-Earning Assets	0.4	0.4	0.13	16.5	17.84	132.47
Total Assets	15.45	14.92	27.93	1,118	938.9	917.1
Interest-bearing deposits	974.39	1,088	1,041	891.43	701.84	638.05
Noninterest-bearing deposits	111.48	95.73	101.74	93.71	93.24	83.64
Total Deposits	1,086	1,184	1,143	985.14	795.07	721.69
Short-Term Interbank Borrowing and Repurchase Agreements	-	-	-	10	25	-
Short-Term Borrowings	-	-	-	-	-	69.65
Accrued Expenses	7.59	7.93	11.45	9.86	12.91	9.29
Long-Term Debt	7.58	7.56	7.89	8.34	8.84	9.28
Other Liabilities	13	13.26	14.81	3.72	5.2	10.89
Total Liabilities	1,114	1,213	1,177	1,017	847.01	820.81
Preferred Stock	15.73	15.73	15.73	15.73	9.28	9.28
Common Stock	54.39	54.37	54.76	54.52	53.02	51.5
Accumulated Other Comprehensive Income	-2.34	-2.3	-3.71	-3.94	-3.9	-0.44
Retained Earnings	14.08	19.76	44.13	34.4	33.48	35.95
Shareholders' Equity	81.87	87.57	110.92	100.71	91.88	96.29
Total Liabilities & Equity	1,196	1,300	1,288	1,118	938.9	917.1
Total Debt	7.58	7.56	7.89	8.34	8.84	9.28
Net Cash (Debt)	-7.58	-7.56	-7.89	-8.34	-8.84	-9.28
Net Cash Per Share	-1.84	-1.83	-1.72	-1.82	-2.09	-2.28
Book Value	81.87	87.57	110.92	100.71	91.88	96.29
Book Value Per Share	19.87	21.20	24.17	21.98	21.77	23.65
Tangible Book Value	81.87	87.57	110.92	85.75	80.98	89.88
Tangible Book Value Per Share	19.87	21.20	24.17	18.71	19.19	22.08

Updated Apr 30, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q