Bayfirst Financial Corp - Asset Resilience Ratio
Bayfirst Financial Corp (BAFN) has an Asset Resilience Ratio of 2.26% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See Bayfirst Financial Corp (BAFN) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (1991–2025)
This chart shows how Bayfirst Financial Corp's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see Bayfirst Financial Corp assets under control.
Liquid Assets Composition Over Time
This chart breaks down Bayfirst Financial Corp's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore BAFN long-term asset investment ratio to see how much of total assets are deployed in long-term investments.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $29.36 Million | 2.26% |
| Total Liquid Assets | $29.36 Million | 2.26% |
Asset Resilience Insights
- Limited Liquidity: Bayfirst Financial Corp maintains only 2.26% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Bayfirst Financial Corp Industry Peers by Asset Resilience Ratio
Compare Bayfirst Financial Corp's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Santander Bank Polska S.A.
WAR:SPL |
Banks - Regional | 4.41% |
|
Banco Santander Chile
NYSE:BSAC |
Banks - Regional | 7.94% |
|
Bank of Baroda
NSE:BANKBARODA |
Banks - Regional | -12.63% |
|
Turkiye Is Bankasi AS Class C
IS:ISCTR |
Banks - Regional | -38.78% |
|
Ringkjoebing Landbobank A/S
CO:RILBA |
Banks - Regional | 0.03% |
|
ABSA Bank Limited
JSE:ABSP |
Banks - Regional | 2.72% |
|
Mechanics Bank
NASDAQ:MCHB |
Banks - Regional | 18.39% |
|
Laurentian Bank Of Canada
TO:LB |
Banks - Regional | 0.55% |
Annual Asset Resilience Ratio for Bayfirst Financial Corp (1991–2025)
The table below shows the annual Asset Resilience Ratio data for Bayfirst Financial Corp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 2.26% | $29.36 Million | $1.30 Billion | +1.57pp |
| 2024-12-31 | 0.69% | $8.88 Million | $1.29 Billion | +1.11pp |
| 2023-12-31 | -0.42% | $-4.65 Million | $1.12 Billion | -4.93pp |
| 2022-12-31 | 4.51% | $42.35 Million | $938.89 Million | +1.14pp |
| 2021-12-31 | 3.37% | $30.89 Million | $917.10 Million | -- |
| 2020-12-31 | 0.00% | $0.00 | $1.54 Billion | -- |
| 1997-12-31 | 44.40% | $238.80 Million | $537.80 Million | +1.06pp |
| 1996-12-31 | 43.34% | $216.00 Million | $498.40 Million | +4.46pp |
| 1995-12-31 | 38.87% | $176.10 Million | $453.00 Million | +5.70pp |
| 1994-12-31 | 33.17% | $128.90 Million | $388.60 Million | +0.43pp |
| 1993-12-31 | 32.74% | $115.10 Million | $351.60 Million | -7.27pp |
| 1992-12-31 | 40.01% | $113.50 Million | $283.70 Million | +15.15pp |
| 1991-12-31 | 24.86% | $45.00 Million | $181.00 Million | -- |
About Bayfirst Financial Corp
BayFirst Financial Corp. operates as the bank holding company for BayFirst National Bank that provides community banking services for small and medium sized businesses and individuals. The company offers checking, savings, negotiable order of withdrawal, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts; and safety deposit boxes. It also prov… Read more