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BayFirst Financial (BAFN) - 2025 Q3 - Earnings Call Presentation

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]