BayFirst National Bank
Headquartered in Saint Petersburg, FL. Analysis based on 9,544 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $1.83B.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
BayFirst National Bank ranks #62 by charge-off rate (5.94%).
Total 7(a) loans
9,544
Total approved
$1.83B
Average loan
$192K
States funded in
52
Charge-off rate
5.94%
FY2020–FY2023 cohort
Paid-in-full rate
11.61%
Average rate
11.32%
Average term
123 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 236118 | Residential Remodelers | 270 |
| 722511 | Full-Service Restaurants | 199 |
| 524210 | Insurance Agencies and Brokerages | 194 |
| 484121 | General Freight Trucking, Long Distance, Truckload | 192 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 190 |
| 561730 | Landscaping Services | 165 |
| 238990 | All Other Specialty Trade Contractors | 147 |
| 484110 | General Freight Trucking, Local | 143 |
| 811111 | General Automotive Repair | 140 |
| 541990 | All Other Professional, Scientific, and Technical Services | 135 |
Top 10 states
| State | Loans |
|---|---|
| CA | 1,509 |
| FL | 1,256 |
| TX | 900 |
| NY | 838 |
| IL | 335 |
| NJ | 335 |
| GA | 319 |
| PA | 272 |
| CO | 242 |
| WA | 235 |
Top franchise brands financed
367 franchise loans across 242 distinct brands.
| Franchise | Loans |
|---|---|
| The UPS Store (f/k/a Mail Box | 10 |
| Crumbl | 9 |
| GLO TANNING | 9 |
| Ace Hardware | 5 |
| Mathnasium Learning Centers | 5 |
| Health Mart Pharmacy | 5 |
| Subway | 4 |
| 911 Restoration | 4 |
| ServiceMaster | 3 |
| Anytime Fitness | 3 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.