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.
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. Check BAFN strategic assets to equity ratio to assess the company's strategic physical and investment asset allocation.
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. For market capitalisation and broader financial context, see BAFN market cap overview.
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 |
|---|---|---|
|
Deutsche Bank Aktiengesellschaft
F:DBK |
Banks - Regional | 3.17% |
|
Regions Financial Corporation
NYSE:RF |
Banks - Regional | 17.06% |
|
Bank of Hangzhou Co Ltd
SHG:600926 |
Banks - Regional | 7.20% |
|
Banco Santander Chile
SN:BSANTANDER |
Banks - Regional | 6.33% |
|
Grupo Financiero Inbursa S.A.B. de C.V
MX:GFINBURO |
Banks - Regional | 2.07% |
|
Synovus Financial Corp
NYSE:SNV |
Banks - Regional | 4.05% |
|
Bank of Queensland Ltd
AU:BOQ |
Banks - Regional | 0.21% |
|
Regional S.A.B. de C.V
MX:RA |
Banks - Regional | 0.00% |
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