BayFirst Financial Corp.

BayFirst Financial Corp. is a bank holding company that operates through its wholly owned subsidiary, BayFirst National Bank. BayFirst began its bank holding company operations on September 1, 2000, by acquiring all shares of the Bank. The company's main source of income comes from the Bank, which serves consumers and small businesses in the Tampa Bay/Sarasota region. As of December 31, 2025, BayFirst had consolidated total assets of $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. BayFirst's corporate office is located at 700 Central Avenue, St. Petersburg, Florida 33701. BayFirst National Bank started operations on February 12, 1999, as a Florida state-chartered commercial bank and converted to a national banking association in 2022. The Bank operates from its main office and eleven additional banking centers in the Tampa Bay/Sarasota area. The Bank does not conduct any foreign business activities. In the third quarter of 2025, the Bank discontinued its SBA 7(a) lending division but continues to offer USDA loans and SBA 404 loans through its community banking centers. The Bank's community banking services are designed to attract consumers, small and medium-sized businesses, and professionals primarily in Pinellas, Hillsborough, Sarasota, Manatee, and Pasco Counties. Services include specialized business and personal checking accounts, internet banking, online bill payment, lock box services, remote capture and deposit, cash management, wire transfers, safety deposit boxes, courier services, retail investment services, and ACH originations.