BAYFIRST FINANCIAL CORP is the parent banking group. FIRST HOME BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

BAYFIRST FINANCIAL CORP

Legal name: BAYFIRST FINANCIAL CORP.

1 active bank · $1.2B combined assets

RSSD ID: 2881650 (FFIEC NIC)

Combined Assets

$1.2B

CRA Rating Summary

Satisfactory1charter

Across all 3 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFIRST HOME BANKSAINT PETERSBURG, FLSatisfactory$1.2BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$1.2B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$1.1B

Net Income

$-5,458K

ROA (avg)

-1.75%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2021Lender rankings →

Aggregated HMDA data across all active charters for 2021.

Applications

10,411

Origination Rate

67.9%

Denial Rate

9.53%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FIRST HOME BANK	SAINT PETERSBURG, FL	FDIC	$1.2B	100.0%	Satisfactory	Aug 2012

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.