Financial Performance - BayFirst Financial Corp reported a net loss attributable to common shareholders of $19287 thousand for the three months ended September 30, 2025 [18] - The company's net loss from continuing operations for the three months ended September 30, 2025, was $18902 thousand [18] - For the nine months ended September 30, 2025, BayFirst Financial Corp experienced a net loss attributable to common shareholders of $21630 thousand [19] - Return on average assets was (562)% for the quarter ended September 30, 2025, compared to 037% for the same period last year [20] - Net interest margin decreased to 361% for Q3 2025 [23] Balance Sheet and Loan Portfolio - Total assets reached $135 billion as of September 30, 2025, representing a 47% growth since December 31, 2020 [7] - Total loan production for the quarter was $75 million [13] - Total loans (held for sale and held for investment) grew by $50 million over the last twelve months [13] - Total deposits increased by $8 million for the quarter and $59 million over the last twelve months [16] - Noninterest bearing transactions accounted for 90% of the deposit portfolio [15]

Q3 2025 EARNINGS INVESTOR PRESENTATION October 28, 2025 3Q25 Earnings Investor Presentation First Busey Corporation | Ticker: BUSE 2 Forward-Looking Statements This presentation may contain "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995 with respect to First Busey Corporation's ("Busey's") financial condition, results of operations, plans, objectives, future performance, and business. Forward-looking statements, which may be based upon beliefs, expect ...