SBA lender profile
BayFirst National Bank
BayFirst National Bank appears in the public SBA loan data with 13,744 funded 7(a) loans since FY2010, totaling $2.9B, an average of $213K per loan, and an estimated 94,441 jobs supported. Its SBA lending concentrates in Florida and the Professional and Technical Services sector. Across its 7(a) loans, the charge-off rate is 8.1%. 92.8% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 45
- Scale 99
- Activity 99
- Consistency 71
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is BayFirst National Bank the right lender for you?
Lenders fund what they know. BayFirst National Bank's SBA lending concentrates in Florida (1,760 loans) and Professional and Technical Services (2,167 loans), at an average loan of $213K. If your business does not look like that, a different SBA lender is likely the better fit.
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Bank profile
via FDIC- Total assets
- $1.2B
- Headquarters
- Saint Petersburg, FL
- FDIC cert
- #34997
- Status
- Active
Where BayFirst National Bank lends
Top states by funded SBA volume.
Metro areas where BayFirst National Bank funds
What BayFirst National Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Professional and Technical Services | 2,167 | $409.6M |
| Construction | 1,849 | $380.5M |
| Retail Trade | 1,671 | $367.9M |
| Health Care and Social Assistance | 1,303 | $297.3M |
| Accommodation and Food Services | 662 | $222.3M |
| Other Services | 1,119 | $207.5M |
BayFirst National Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2014 | 1 | $340K |
| 2015 | 108 | $42.5M |
| 2016 | 676 | $173.3M |
| 2017 | 1,062 | $282.9M |
| 2018 | 906 | $232.8M |
| 2019 | 1,450 | $358.4M |
| 2020 | 584 | $148.1M |
| 2021 | 370 | $155.8M |
| 2022 | 914 | $287.9M |
| 2023 | 2,629 | $454.3M |
| 2024 | 3,129 | $475.3M |
| 2025 | 1,895 | $301.6M |
| 2026 | 20 | $8.2M |
Related SBA lenders
Other lenders active in Florida or in Professional and Technical Services.
Comparing lenders? See how to choose an SBA lender by track record.
BayFirst National Bank: frequently asked questions
Does BayFirst National Bank offer SBA loans?
Yes. BayFirst National Bank appears in the public SBA data with 13,744 funded SBA 7(a) loans totaling $2.9B.
How many SBA loans has BayFirst National Bank made?
BayFirst National Bank is associated with 13,744 SBA 7(a) loans totaling $2.9B in the public SBA data (as of 2026-03-31).
What is BayFirst National Bank's SBA charge-off rate?
About 8.1% of BayFirst National Bank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does BayFirst National Bank do most of its SBA lending?
BayFirst National Bank's SBA lending in the data is most concentrated in Florida, and by industry in Professional and Technical Services.
Is BayFirst National Bank an SBA Preferred Lender (PLP)?
The loan record shows BayFirst National Bank operating under PLP delegated authority: 12,748 of its 7(a) loans (92.8%) were processed through the Preferred Lenders Program, including 5,029 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). BayFirst National Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/bayfirst-national-bank/
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