BayFirst National Bank
Locally owned community bank serving Tampa Bay since 1999 with personalized friendly banking. Offers comprehensive services including checking, savings, SBA loans, mortgage loans, commercial loans, treasury management, and merchant services through 12 locations.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (110 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
BayFirst National Bank ranks #46 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of BayFirst National Bank’s 7(a) acquisition lending falls in the $0-$500K range: 72 loans, 65.5% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 72 | 65.5% | |
| $500K-$1M | 23 | 20.9% | |
| $1M-$2M | 14 | 12.7% | |
| $2M-$3M | 1 | 0.9% |
Industries with highest loan volume
General Automotive Repair
10
loans
$407K
avg. amount
Child Care Services
6
loans
$602K
avg. amount
Landscaping Services
6
loans
$461K
avg. amount
Beauty Salons
5
loans
$527K
avg. amount
Janitorial Services
5
loans
$389K
avg. amount
All Other Specialty Trade Contractors
4
loans
$749K
avg. amount
Pet Care (except Veterinary) Services
4
loans
$232K
avg. amount
Pet and Pet Supplies Retailers
3
loans
$664K
avg. amount
Full-Service Restaurants
2
loans
$992K
avg. amount
Used Household and Office Goods Moving
2
loans
$728K
avg. amount
10-Year
4.5%
Percentile Ranking
95th
95th percentile
BayFirst National Bank’s median variable rate is + 2.75%, against a market median of Prime + 1.88%, 88 above market.
It priced below the market median in 0 of the last 8 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.85% |
| $500K-$1M | Prime + 2.73% |
| $1M-$2M | Prime + 2.70% |
| $2M-$3M | Prime + 2.50% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q4 '23 | Prime + 2.75% | Prime + 2.00% | Prime + 1.42% – Prime + 2.50% | 5 |
| Q1 '24 | Prime + 2.75% | Prime + 2.00% | Prime + 1.48% – Prime + 2.50% | 5 |
| Q3 '24 | Prime + 2.75% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 4 |
| Q4 '24 | Prime + 2.75% | Prime + 2.25% | Prime + 1.50% – Prime + 2.75% | 3 |
| Q1 '25 | Prime + 2.75% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 3 |
| Q2 '25 | Prime + 2.88% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 6 |
| Q3 '25 | Prime + 2.50% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 4 |
| Q4 '25 | Prime + 3.00% | Prime + 2.25% | Prime + 1.67% – Prime + 2.75% | 4 |
BayFirst National Bank has originated 7(a) acquisition loans in 25 states, most actively in Florida (36), Pennsylvania (11) and California (10). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Florida | 36 | 32.7% |
| Pennsylvania | 11 | 10.0% |
| California | 10 | 9.1% |
| Texas | 5 | 4.5% |
| New Jersey | 5 | 4.5% |
| New York | 4 | 3.6% |
| Alabama | 4 | 3.6% |
| South Carolina | 4 | 3.6% |
| Washington | 3 | 2.7% |
| Georgia | 3 | 2.7% |
| Connecticut | 3 | 2.7% |
| Tennessee | 3 | 2.7% |
| Nevada | 3 | 2.7% |
| North Carolina | 2 | 1.8% |
| Oregon | 2 | 1.8% |
| Ohio | 2 | 1.8% |
| Wisconsin | 2 | 1.8% |
| Kansas | 1 | 0.9% |
| Illinois | 1 | 0.9% |
| Missouri | 1 | 0.9% |
| Kentucky | 1 | 0.9% |
| Massachusetts | 1 | 0.9% |
| Colorado | 1 | 0.9% |
| New Hampshire | 1 | 0.9% |
| Oklahoma | 1 | 0.9% |
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