Welcome to our dedicated page for Bayfirst Financial SEC filings (Ticker: BAFN), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The BayFirst Financial Corp. (BAFN) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a registered bank holding company. BayFirst files a variety of reports with the U.S. Securities and Exchange Commission that describe its financial condition, results of operations, risk factors, and significant corporate events.
For BayFirst, Form 10-K annual reports and Form 10-Q quarterly reports are key sources of information on net interest income, noninterest income, noninterest expense, loan and deposit trends, asset quality measures, and capital ratios. These filings also discuss the company’s business model, including its focus on community banking through BayFirst National Bank and its loan segments in real estate, commercial and industrial, and consumer lending.
Form 8-K current reports are especially important for tracking material developments. Recent 8-K filings have covered the company’s strategic review, the discontinuation of the Bolt SBA 7(a) loan program, the decision to exit the SBA 7(a) lending business, and asset purchase agreements and loan sales to Banesco USA. Other 8-Ks address quarterly earnings releases, conference call materials, and a reported cybersecurity incident at a third-party marketing services provider that affected some customer information.
Investors can also use this page to monitor any future proxy statements on executive and board matters, as well as potential Form 4 insider transaction reports, if applicable. Stock Titan enhances these filings with AI-powered summaries that highlight key points from lengthy documents, helping users quickly understand changes in credit quality, capital, strategic direction, and risk disclosures without reading every page in detail.
BayFirst Financial Corp. announced it will release its first quarter 2026 results after the market close on April 30, 2026. Management will host a conference call and webcast on May 1, 2026 at 9:00 a.m. ET for investors and analysts.
The call will be accessible via the Investor Relations section of the company’s website, with investment professionals able to join by phone using Conference ID 37957. A replay of the call will be available for one year online. As of December 31, 2025, BayFirst reported $1.30 billion in total assets and operates twelve full-service banking offices in the Tampa Bay–Sarasota region through BayFirst National Bank.
BayFirst Financial Corp., holding company for BayFirst National Bank serving the Tampa Bay/Sarasota region, filed its annual report outlining 2025 operations and risks. As of December 31, 2025, the company reported consolidated total assets of $1.30 billion, loans held for investment of $963.9 million, deposits of $1.18 billion, and shareholders’ equity of $87.6 million.
The bank operates 12 community banking centers, focuses on consumers and small businesses, and offers a full range of deposit, commercial, consumer, and mortgage products. It discontinued its nationwide SBA 7(a) lending division in late 2025 and had previously exited nationwide residential lending, but continues SBA 504, USDA and residential mortgage lending through branches.
BayFirst emphasizes conservative credit risk management, enterprise-wide risk oversight, significant investment in information technology and cybersecurity, and extensive human capital and corporate social responsibility programs. In July 2025, the board suspended dividends on common and preferred stock, and all Bank shares are pledged to secure a $1.6 million term loan maturing March 10, 2029.
BayFirst Financial Corp. reported that President and COO Oliver Robin Leigh indirectly acquired common stock through an employee stock ownership plan. On this Form 4/A, 101.2515 shares of common stock were granted and allocated to his ESOP account at a price of $13.30 per share, bringing his indirect ESOP-held stake to 1,084.1673 shares.
BayFirst Financial Corp. executive vice president and chief financial officer Scott Joseph McKim reported an indirect acquisition of common stock through an employee benefit plan. On December 31, 2024, 90.8311 shares at $13.3000 per share were allocated to his account under the BayFirst National Bank Employee Stock Ownership Plan.
These 90.8311 shares are held by the ESOP and allocated to his account, with vesting tied to years of service and full vesting at a normal retirement age of 65.
BayFirst Financial Corp. reported an indirect acquisition of common stock for SVP and Chief Accounting Officer Rhonda S. Tudor. An employee stock ownership plan allocated 63.7567 shares of common stock at $13.30 per share to her ESOP account, bringing her indirectly held ESOP shares to 265.1291.
BayFirst Financial Corp. CEO Thomas Gerard Zernick reported an indirect acquisition of common stock through the company’s Employee Stock Ownership Plan. On December 31, 2024, the ESOP allocated 101.2478 shares at $13.30 per share to his account, bringing his ESOP-held balance to 1,671.2237 shares. These shares are held by the BayFirst National Bank ESOP and vest based on years of service and fully vest at normal retirement age of 65.
LEO ANTHONY N reported acquisition or exercise transactions in this Form 4 filing.
BayFirst Financial Corp. director Leo Anthony reported an indirect award of 101.2478 shares of common stock at $13.30 per share through the BayFirst National Bank Employee Stock Ownership Plan (ESOP). After this ESOP allocation, 1,671.2168 shares are attributed to his ESOP account.
According to the plan terms, these ESOP shares vest based on the director’s Years of Vesting Service, generally requiring at least 1,000 hours of work in a year, and become fully vested upon reaching the normal retirement age of 65.
BayFirst Financial Corp. reported an executive change tied to a company-wide reduction. The company has eliminated the position of Chief Accounting Officer, and effective February 13, 2026, Rhonda S. Tudor no longer serves as principal accounting officer or employee.
Executive Vice President and Chief Financial Officer Scott J. McKim will assume the additional role of principal accounting officer after Ms. Tudor’s departure. The company points to Mr. McKim’s background and experience as previously described in its definitive proxy statement filed on April 4, 2025.
BayFirst Financial Corp. insider stock purchase reported. SVP and Chief Accounting Officer Rhonda S. Tudor acquired 16.6085 shares of BayFirst Financial Corp. common stock on February 5, 2026 at a price of $6.021 per share. The purchase was made within the issuer's Non-Qualified Stock Purchase Plan.
After this transaction, Tudor beneficially owned 1,531.124 shares of common stock directly and 257.4446 shares indirectly through an ESOP, reflecting both personal and plan-related holdings in the company.
BayFirst Financial Corp. CEO and director Thomas Gerard Zernick reported routine changes in his BayFirst (BAFN) shareholdings. On February 5, 2026, he acquired 249.1281 shares of common stock at $6.021 per share through the issuer's Non-Qualified Stock Purchase Plan.
On February 3, 2026, 890 shares of common stock at $6.65 per share were withheld by BayFirst solely to cover tax obligations related to restricted stock awards, and this is explicitly described as not a sale by Zernick. After these transactions, he beneficially owned 19,454.7141 shares directly and 1,659.0275 shares indirectly through an ESOP.