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Visual22 Oct 2025
Epiroc's cash spent on M&A
BayFirst Financial (BAFN) investor relations material
BayFirst Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary30 Jul, 2025
Executive summary
Reported a net loss of $1.2M for Q2 2025, with losses driven by higher credit loss provisions, SBA 7(a) loan write-downs, and lower noninterest income.
Discontinued the Bolt SBA 7(a) loan program in August 2025, resulting in a 17% workforce reduction and expected $6M in annual cost savings; restructuring charge anticipated in Q3 2025.
Management and Board are conducting a strategic review to de-risk unguaranteed SBA 7(a) balances and enhance long-term growth; dividend payments and board fees suspended.
Achieved 47% asset growth since December 31, 2020, reaching $1.34B in assets as of June 30, 2025.
Community bank loans grew 3% during the quarter, with continued focus on core deposit growth and risk management.
Financial highlights
Net interest income was $12.3M in Q2 2025, up from $11.0M in Q1 2025 and $9.2M in Q2 2024.
Net interest margin improved to 4.06% in Q2 2025, up 29 bps sequentially and 63 bps year-over-year.
Noninterest income was $10.8M in Q2 2025, up from $8.8M in Q1 2025 but down from $11.7M in Q2 2024.
Loans held for investment grew by $41M during the quarter, ending at $1.13B; deposits increased $35.5M to $1.16B.
Provision for credit losses rose to $7.3M in Q2 2025, up from $4.4M in Q1 2025 and $3.0M in Q2 2024.
Outlook and guidance
Net interest margin expected to remain stable even with potential Fed rate changes, with only minor temporary compression anticipated.
Strategic review of the small loan program and underwriting is ongoing, with further announcements expected.
Expects a restructuring charge in Q3 2025 related to the Bolt program exit; will seek to sell Bolt loan balances and origination platform.
Strategic initiatives focus on operational excellence, technology optimization, business banking acceleration, and revenue diversification.
Plans to expand USDA business and industry lending with new experienced lenders.
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Next BayFirst Financial earnings date
Q3 202531 Oct, 2025
Next BayFirst Financial earnings date
Q3 202531 Oct, 2025
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Frequently asked questions
BayFirst Financial Corp. is a bank holding company headquartered in St. Petersburg, Florida. It operates through its wholly owned subsidiary, BayFirst National Bank, which serves the Tampa Bay area and businesses nationwide. The bank provides a range of commercial and consumer banking services, including checking and savings accounts, commercial real estate mortgages, construction and development loans, personal loans, and residential mortgages. Additionally, it operates a specialized lending platform, CreditBench, which focuses on originating government-guaranteed loans, such as SBA 7(a) and USDA loans, across the country. The company is headquartered in St. Petersburg, Florida, and its shares are listed on the NASDAQ.
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