BayFirst Financial Corp.
For the period ended Dec 31, 2025. Filed Mar 27, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Mar 27, 2026
BAFN$6.10+1.6%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Item 15. Exhibits and Financial Statement Schedules
(a)Exhibits.
| ExhibitNumber | Exhibit Name |
| *3.1 | Amended and Restated Articles of Incorporation |
| *3.2 | Bylaws |
| *3.3 | Amendment to Bylaws, dated August 22, 2019 |
| *3.4 | Amendment to Articles of Incorporation, dated September 7, 2023 |
| *4.1 | Form of common stock certificate |
| *4.2 | Form of Series A Preferred Stock certificate |
| *4.3 | Form of Series B Convertible Preferred Stock certificate |
| *4.4 | Form of Series C Cumulative Convertible Preferred Stock certificate |
| *10.1 | Amended and Restated 2017 Equity Incentive Plan |
| *10.2 | Form of Stock Option Agreement under Amended and Restated 2017 Equity Incentive Plan |
| *10.3 | Form of Restricted Stock Award Grant Notice under Amended and Restated 2017 Equity Incentive Plan |
| *10.4 | Form of Restricted Stock Unit Award Grant Notice under Amended and Restated 2017 Equity Incentive Plan |
| *10.5 | Amended and Restated Dividend Reinvestment and Stock Purchase Plan |
| *10.6 | 2015 Non-Qualified Employee Stock Purchase Plan Amended and Restated, dated January 25, 2022 |
| *10.7 | First Amendment to 2015 Non-Qualified Employee Stock Purchase Plan |
| *10.8 | Business Loan Agreement with First National Bankers Bank, dated March 10, 2021 |
| *10.9 | Form of 4.5% Fixed-to-Floating Subordinated Note Due 2021 issued on June 30, 2021 |
| *10.10 | Employment Agreement with Thomas G. Zernick, dated October 20, 2021 |
| *10.11 | Employment Agreement with Robin L. Oliver, dated October 20, 2021 |
| *10.12 | Employment Agreement with Scott J. McKim, dated July 24, 2023 |
| *10.13 | Form of Master Lease by and between BayFirst National Bank and Mountainseed Real Estate Services, LLC |
| *10.14 | Amendment to 4.5% Fixed to Floating Subordinated Notes Due June 30, 2031 |
| *10.15 | Change in Terms Agreement for FNBB Term Loan |
| *14.1 | Code of Ethics |
| *19.0 | Insider Trading and Confidentiality Policy |
| *21.1 | Subsidiaries of Registrant |
| 23.1 | Consent of Forvis Mazars, LLP |
| 31.1 | Principal Executive Officer’s Certification required by Rule 13(a)-14(a) - filed herewith |
| 31.2 | Principal Financial Officer’s Certification required by Rule 13(a)-14(a) - filed herewith |
| 32.1 | Principal Executive Officer’s Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 - filed herewith |
| 32.2 | Principal Financial Officer’s Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 - filed herewith |
| *97 | Executive Incentive Compensation Clawback Policy |
| 101 | Financial information from the Company’s Annual Report on Form 10-K for the year endedDecember 31, 2025, formatted in iXBRL interactive data files pursuant to Rule 405 of Regulation S-T: (i) Consolidated Balance Sheets; (ii) Consolidated Statements of Income; (iii) Consolidated Statements of Comprehensive Income; (iv) Consolidated Statements of Shareholders’ Equity; (v) Consolidated Statements of Cash Flows; and (vi) Notes to the Consolidated Financial Statements – filed herewith. |
| 104 | Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101) |
Incorporated by reference
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