BayFirst National Bank

Overview / Commentary
700 Central Ave
Saint Petersburg, FL 33701

BayFirst National Bank is headquartered in SAINT PETERSBURG and is the 26th largest bank in the state of Florida. It is also the 932nd largest bank in the nation. It was established in 1999 and as of March of 2023, it had grown to 304 employees at 8 locations. BayFirst National Bank's money market rates are 10X the national average, and it has an A health rating.

Reviews (6)

Customer Service

Posted by: |

Brian Yuhas,at the Columbus Dr. location is an asset to this organization.He has gone above and beyond to help me and my family.I know of a few banks that could use employees like Brian.

Easy To Open At Local Branch

welcoming and helpful staff at local branch, information clear and transparent, easy process at branch. Rate is 6.01% for 14 mo CD

Fast Response On Phone

Posted by: |

I just called about their new 6.1% CD and received a quick polite answer. I guess it depends on who answers the phone. Also, all their Bank financial ratings are good. I was lucky I guess.

Fiasco - 5 Days Wasted

Posted by: |

Total waste of time.

Applied online last week for the CD because the website said "Easy Online Opening". When I did not hear back within 2 business days (said I would hear within 1), sent a message asking what the next step was in my ONLINE application, expecting a secure portal to enter the funding information. In return, I got a phone call. After 3 days of wasted phone-tag and email messages being exchanged with no clear answers to whether the CD could be opened online or not - I called and was told that - *5 days after my initial application*, that they had JUST added the option to actually open it online, but ONLY if it was less than $15,000. Otherwise you had to drive to a branch. Completely infuriating and I could have had my money in another bank earning interest had I known this 5 days ago. Nearest branch is a 20 mile drive and NOT online, and definitely not EASY. Choose another bank,


Posted by: |


Must be a Florida resident in the following counties: Hillsborough, Pinellas, Pasco, Manatee and Sarasota


Posted by: |

Tiny, backwoods "bank" with fewer than 80 employees total, spread across five branches in hinterlands of South Florida. Unlike the major, national banks, this has NO Customer Service department of its own. Instead, you will have to deal with uneducated, emotional, unprofessional juveniles who are rude, incompetent, or both. These hick kids even make personal remarks about your "private" transactions. Worse, for ATM problems, this "bank" is so tiny and inferior they must contract with a third-party cubicle hive that clearly couldn't care less. FHB's local reputation is so bad, they have to pay a cash bonus to unsuspecting newcomers to persuade them to open an account. After one month with their constant mistakes over EVERY TRANSACTION, I'm returning the bonus and closing the accounts, since their employees' incompetence has cost me far more m time. If your time is worthless, you prefer teen angst to professional service, and you love NOT having ANY ACCESS to your own money, FHB is for you. If you're an adult seeking a real bank, look elsewhere.


Health Grade Components

FDIC Certificate #34997
Year Established1999
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD4.35%
Annual Interest Income$14.3MM
Assets and Liabilities
AssetsQ1 2023vs Q1 2022$1.07B$888.4MM
LoansQ1 2023vs Q1 2022$781.7MM$628.1MM
DepositsQ1 2023vs Q1 2022$934.1MM$771.6MM
Equity CapitalQ1 2023vs Q1 2022$98.0MM$102.7MM
Loan Loss AllowanceQ1 2023vs Q1 2022$12.2MM$10.2MM
Unbacked Noncurrent LoansQ1 2023vs Q1 2022$2.4MM$124.00K
Real Estate OwnedQ1 2023vs Q1 2022$3.00K$3.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

BayFirst National Bank Savings Account Rates

5.04%*-$500Kids Club Savings
OTHER TIERS: 1.73% $3k+ | 2.97% $500 - $3k

BayFirst National Bank Money Market Rates

4.51%*$50k*-BayLive Money Market
OTHER TIERS: 1.51% $10k - $25k | 2.51% $25k - $50k

BayFirst National Bank Checking Account Rates

3.01%*-$25kBayLive Checking
OTHER TIERS: 0.50% $25k+
1.01%--Teen Checking


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