Original filing (PDF)20250930081528NAL0016194307001

BAYFIRST NATIONAL BANK

Name: BAYFIRST NATIONAL BANK — BAYFIRST NATIONAL BANK EMPLOYEE STOCK OWNERSHIP PLAN, Form 5500 (2024)
Creator: BAYFIRST NATIONAL BANK

Form 5500

FILING_RECEIVED

BAYFIRST NATIONAL BANK EMPLOYEE STOCK OWNERSHIP PLAN

Defined-contribution retirement plan

Signals · 3

100% in single holding100% employer stockNo recordkeeper disclosed

Active participants

282

Accounts w/ balance

321

Plan assets (EOY)

$1.2M

Net assets (EOY)

$784K

How this plan invests

This plan

1 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

/ 100

Grade B

Above-average plan

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

Total plan cost

Plan health

Vendor & structure

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BAYFIRST NATIONAL BANK.

Plan sponsor

Name

BAYFIRST NATIONAL BANK

EIN

59-3526917

Address

700 CENTRAL AVENUE · ST PETERSBURG, FL · 33701

Phone

(727) 399-5667

Industry

Commercial Banking· Finance & Insurancesee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

002

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-09-30

Pension benefit codes

2I · Stock bonus

2P · Leveraged ESOP

3I · Requires investment in employer securities

Audit & trust (Schedule H)

Auditor

FORVIS MAZARS, LLP

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

No Schedule C providers reported

Investments

1 direct security· $1.1M(96% of reported assets)

PI						% of plan
	BayFirst Financial Corp. Common stock - 82,997 shares	Common Stock	—	$1.5M	$1.1M	95.8%

1–1 of 1

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