<p>佛罗里达州圣彼得堡，2025 年 12 月 15 日（全球新闻稿）—— BayFirst Financial Corp.（纳斯达克：BAFN）（“BayFirst” 或 “公司”），BayFirst National Bank（“银行”）的母公司，今天宣布已完成与 Banesco USA 的计划贷款出售。</p>
<p>“我很高兴地宣布，BayFirst 已完成向 Banesco USA 出售 9460 万美元贷款的交易。我们在 2025 年 9 月 29 日宣布了这一交易，作为全面战略审查的一部分，旨在降低资产负债表上的 SBA 7(a) 余额风险，并为公司长期增长和提升股东价值做好准备。按假设基础计算，银行的总资本比率提高至 10.1%，一级杠杆比率提高至 6.8%。” 首席执行官 Thomas G. Zernick 表示。“正如我们之前所宣布的，BayFirst 在第四季度初退出了 SBA 7(a) 贷款业务，Banesco USA 将承担这些贷款的服务。此外，我们预计在年底之前将向 Banesco USA 出售额外 450 万美元的贷款余额。”</p>
<p>“我们继续专注于我们的社区银行使命——为个人、家庭和小企业提供稳定的支票和储蓄产品，以建立更可预测、低成本的资金基础。” Zernick 说。“这种以关系为导向的方法继续增强我们在充满活力的坦帕湾地区的存在，并创造机会扩大我们的社区银行投资组合、存款增长和像财务管理服务这样的费用收入来源。”</p>
<p>BayFirst 在此交易中得到了 Piper Sandler &amp; Company 和 Igler &amp; Pearlman, PA 的建议。</p>
<p><strong>关于 BayFirst Financial Corp.</strong></p>
<p>BayFirst Financial Corp.是一家注册的银行控股公司，总部位于佛罗里达州圣彼得堡，于 2000 年 9 月 1 日开始运营。其主要收入来源于其全资子公司 BayFirst National Bank，这是一家于 1999 年 2 月 12 日开始营业的国家银行协会。该银行目前在坦帕湾 - 萨拉索塔地区运营十二个全方位服务的银行办公室，并为企业和个人提供广泛的商业和消费银行服务。截至 2025 年 9 月 30 日，BayFirst Financial Corp.的总资产为 13.5 亿美元。</p>
<p><strong>前瞻性声明</strong></p>
<p>除了本文件中包含的历史信息外，本演示文稿还包括《1995 年私人证券诉讼改革法》中所定义的 “前瞻性声明”。这些声明受到许多风险和不确定性的影响，包括但不限于健康危机、全球军事冲突、天气事件或气候变化的影响，包括它们对经济环境、我们的客户和我们的运营的影响，以及与之相关的联邦、州或地方政府法律、法规或命令的任何变化；公司实施其战略和扩展银行业务的能力；利率变化和其他一般经济、商业和政治条件的变化，包括金融市场的变化；根据情况调整的商业计划变化；与并购相关的风险；用于定价贷款和存款的基准利率变化，税法、法规和指导的变化；我们的监管机构发起的执法行动及其对我们运营的影响；以及公司不时向 SEC 提交的文件中详细说明的其他风险，包括但不限于我们最近的 10-K 和 10-Q 表格中描述的 “风险因素”。读者应注意，此处包含的前瞻性声明并不保证未来事件，实际事件可能与前瞻性声明中所做或暗示的内容有实质性差异。</p>
<p>前瞻性声明通常可以通过使用前瞻性术语来识别，例如 “将”、“提议”、“可能”、“计划”、“寻求”、“期望”、“打算”、“估计”、“预期”、“相信”、“继续” 或类似术语。此处呈现的任何前瞻性声明仅在本文件日期时有效，公司不承担任何更新或修订前瞻性声明以反映假设变化、意外事件发生或其他情况的义务。</p>
<table>
<thead>
<tr>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>联系人：</strong></td>
<td></td>
</tr>
<tr>
<td>Thomas G. Zernick</td>
<td>Scott J. McKim</td>
</tr>
<tr>
<td>首席执行官</td>
<td>首席财务官</td>
</tr>
<tr>
<td>727.399.5680</td>
<td>727.521.7085</td>
</tr>
<tr>
<td></td>
<td></td>
</tr>
</tbody>
</table>
<p><img src="https://imageproxy.pbkrs.com/https://www.globenewswire.com/newsroom/ti/query-bmY9T1RZd01qWTFOaU0zTXpJeU56UXpJekl5TVRFek5qZz0?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://www.globenewswire.com/newsroom/ti/query-bmY9T1RZd01qWTFOaU0zTXpJeU56UXpJekl5TVRFek5qZz0"/></p>
<p><img src="https://imageproxy.pbkrs.com/https://ml.globenewswire.com/media/ZDU5NWI4MjYtMmRjNC00YzBhLWJhY2EtY2JlZDAwMmJlODM1LTEyMjI5MjEtMjAyNS0xMi0xNS1lbg==/tiny/BayFirst-Financial-Corp-.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://ml.globenewswire.com/media/ZDU5NWI4MjYtMmRjNC00YzBhLWJhY2EtY2JlZDAwMmJlODM1LTEyMjI5MjEtMjAyNS0xMi0xNS1lbg==/tiny/BayFirst-Financial-Corp-.png"/></p>

BAFN

<p>BayFirst Financial Corp. 已完成对 Banesco USA 的 9460 万美元贷款出售，作为其战略审查的一部分，以降低 SBA 7(a) 余额的风险并提升股东价值。此次交易改善了银行的总资本和一级杠杆比率。BayFirst 已退出 SBA 7(a) 贷款业务，并计划向 Banesco USA 再出售 450 万美元的贷款。该公司专注于坦帕湾地区的社区银行业务。Piper Sandler & Company 和 Igler & Pearlman, PA 为此次交易提供了咨询</p>

<p>ST. PETERSBURG, Fla., Dec. 15, 2025 (GLOBE NEWSWIRE) -- BayFirst Financial Corp. (NASDAQ: BAFN) (“BayFirst” or the “Company”), parent company of BayFirst National Bank (the “Bank”) today announced it has closed its planned loan sale to Banesco USA.</p>
<div class="lb-trans"><p>佛罗里达州圣彼得堡，2025 年 12 月 15 日（全球新闻稿）—— BayFirst Financial Corp.（纳斯达克：BAFN）（“BayFirst” 或 “公司”），BayFirst National Bank（“银行”）的母公司，今天宣布已完成与 Banesco USA 的计划贷款出售。</p>
</div><p>“I am pleased to announce BayFirst has closed on the sale of $94.6 million of loans to Banesco USA. We announced this transaction on September 29, 2025, as part of a comprehensive strategic review aimed at derisking SBA 7(a) balances on the balance sheet and positioning the Company for long-term growth and enhanced shareholder value. On a proforma basis, the Bank’s total capital ratio improves to 10.1% and the tier 1 leverage ratio improves to 6.8%,” stated Thomas G. Zernick, Chief Executive Officer. “As we previously announced, BayFirst exited the SBA 7(a) lending business early in the fourth quarter and Banesco USA will assume servicing of these loans. Furthermore, we expect to close on the sale of an additional $4.5 million of loan balances to Banesco USA before the end of the year.</p>
<div class="lb-trans"><p>“我很高兴地宣布，BayFirst 已完成向 Banesco USA 出售 9460 万美元贷款的交易。我们在 2025 年 9 月 29 日宣布了这一交易，作为全面战略审查的一部分，旨在降低资产负债表上的 SBA 7(a) 余额风险，并为公司长期增长和提升股东价值做好准备。按假设基础计算，银行的总资本比率提高至 10.1%，一级杠杆比率提高至 6.8%。” 首席执行官 Thomas G. Zernick 表示。“正如我们之前所宣布的，BayFirst 在第四季度初退出了 SBA 7(a) 贷款业务，Banesco USA 将承担这些贷款的服务。此外，我们预计在年底之前将向 Banesco USA 出售额外 450 万美元的贷款余额。”</p>
</div><p>“We continue to focus on our community bank mission - serving individuals, families, and small businesses with stable checking and savings products that contribute to a more predictable, low-cost funding base,” said Zernick. “This relationship-driven approach continues to strengthen our presence across the vibrant Tampa Bay region and creates opportunities to expand our community bank portfolio, deposit growth and fee income sources like treasury management services.”</p>
<div class="lb-trans"><p>“我们继续专注于我们的社区银行使命——为个人、家庭和小企业提供稳定的支票和储蓄产品，以建立更可预测、低成本的资金基础。” Zernick 说。“这种以关系为导向的方法继续增强我们在充满活力的坦帕湾地区的存在，并创造机会扩大我们的社区银行投资组合、存款增长和像财务管理服务这样的费用收入来源。”</p>
</div><p>BayFirst was advised by Piper Sandler &amp; Company and Igler &amp; Pearlman, PA on this transaction.</p>
<div class="lb-trans"><p>BayFirst 在此交易中得到了 Piper Sandler &amp; Company 和 Igler &amp; Pearlman, PA 的建议。</p>
</div><p><strong>About BayFirst Financial Corp.</strong></p>
<div class="lb-trans"><p><strong>关于 BayFirst Financial Corp.</strong></p>
</div><p>BayFirst Financial Corp. is a registered bank holding company based in St. Petersburg, Florida which commenced operations on September 1, 2000. Its primary source of income is derived from its wholly owned subsidiary, BayFirst National Bank, a national banking association which commenced business operations on February 12, 1999. The Bank currently operates twelve full-service banking offices throughout the Tampa Bay-Sarasota region and offers a broad range of commercial and consumer banking services to businesses and individuals. As of September 30, 2025, BayFirst Financial Corp. had $1.35 billion in total assets.</p>
<div class="lb-trans"><p>BayFirst Financial Corp.是一家注册的银行控股公司，总部位于佛罗里达州圣彼得堡，于 2000 年 9 月 1 日开始运营。其主要收入来源于其全资子公司 BayFirst National Bank，这是一家于 1999 年 2 月 12 日开始营业的国家银行协会。该银行目前在坦帕湾 - 萨拉索塔地区运营十二个全方位服务的银行办公室，并为企业和个人提供广泛的商业和消费银行服务。截至 2025 年 9 月 30 日，BayFirst Financial Corp.的总资产为 13.5 亿美元。</p>
</div><p><strong>Forward-Looking Statements</strong></p>
<div class="lb-trans"><p><strong>前瞻性声明</strong></p>
</div><p>In addition to the historical information contained herein, this presentation includes &#34;forward-looking statements&#34; within the meaning of such term in the Private Securities Litigation Reform Act of 1995. These statements are subject to many risks and uncertainties, including, but not limited to, the effects of health crises, global military hostilities, weather events, or climate change, including their effects on the economic environment, our customers and our operations, as well as any changes to federal, state or local government laws, regulations or orders in connection with them; the ability of the Company to implement its strategy and expand its banking operations; changes in interest rates and other general economic, business and political conditions, including changes in the financial markets; changes in business plans as circumstances warrant; risks related to mergers and acquisitions; changes in benchmark interest rates used to price loans and deposits, changes in tax laws, regulations and guidance; enforcement actions initiated by our regulators and their impact on our operations; and other risks detailed from time to time in filings made by the Company with the SEC, including, but not limited to those “Risk Factors” described in our most recent Form 10-K and Form 10-Q. Readers should note that the forward-looking statements included herein are not a guarantee of future events, and that actual events may differ materially from those made in or suggested by the forward-looking statements.</p>
<div class="lb-trans"><p>除了本文件中包含的历史信息外，本演示文稿还包括《1995 年私人证券诉讼改革法》中所定义的 “前瞻性声明”。这些声明受到许多风险和不确定性的影响，包括但不限于健康危机、全球军事冲突、天气事件或气候变化的影响，包括它们对经济环境、我们的客户和我们的运营的影响，以及与之相关的联邦、州或地方政府法律、法规或命令的任何变化；公司实施其战略和扩展银行业务的能力；利率变化和其他一般经济、商业和政治条件的变化，包括金融市场的变化；根据情况调整的商业计划变化；与并购相关的风险；用于定价贷款和存款的基准利率变化，税法、法规和指导的变化；我们的监管机构发起的执法行动及其对我们运营的影响；以及公司不时向 SEC 提交的文件中详细说明的其他风险，包括但不限于我们最近的 10-K 和 10-Q 表格中描述的 “风险因素”。读者应注意，此处包含的前瞻性声明并不保证未来事件，实际事件可能与前瞻性声明中所做或暗示的内容有实质性差异。</p>
</div><p>Forward-looking statements generally can be identified by the use of forward-looking terminology such as &#34;will,&#34; &#34;propose,&#34; &#34;may,&#34; &#34;plan,&#34; &#34;seek,&#34; &#34;expect,&#34; &#34;intend,&#34; &#34;estimate,&#34; &#34;anticipate,&#34; &#34;believe,&#34; &#34;continue,&#34; or similar terminology. Any forward-looking statements presented herein are made only as of the date of this document, and the Company does not undertake any obligation to update or revise any forward-looking statements to reflect changes in assumptions, the occurrence of unanticipated events, or otherwise.</p>
<div class="lb-trans"><p>前瞻性声明通常可以通过使用前瞻性术语来识别，例如 “将”、“提议”、“可能”、“计划”、“寻求”、“期望”、“打算”、“估计”、“预期”、“相信”、“继续” 或类似术语。此处呈现的任何前瞻性声明仅在本文件日期时有效，公司不承担任何更新或修订前瞻性声明以反映假设变化、意外事件发生或其他情况的义务。</p>
</div><table>
<thead>
<tr>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Contacts:</strong></td>
<td></td>
</tr>
<tr>
<td>Thomas G. Zernick</td>
<td>Scott J. McKim</td>
</tr>
<tr>
<td>Chief Executive Officer</td>
<td>Chief Financial Officer</td>
</tr>
<tr>
<td>727.399.5680</td>
<td>727.521.7085</td>
</tr>
<tr>
<td></td>
<td></td>
</tr>
</tbody>
</table>
<div class="lb-trans"><table>
<thead>
<tr>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>联系人：</strong></td>
<td></td>
</tr>
<tr>
<td>Thomas G. Zernick</td>
<td>Scott J. McKim</td>
</tr>
<tr>
<td>首席执行官</td>
<td>首席财务官</td>
</tr>
<tr>
<td>727.399.5680</td>
<td>727.521.7085</td>
</tr>
<tr>
<td></td>
<td></td>
</tr>
</tbody>
</table>
</div><p><img src="https://imageproxy.pbkrs.com/https://www.globenewswire.com/newsroom/ti/query-bmY9T1RZd01qWTFOaU0zTXpJeU56UXpJekl5TVRFek5qZz0" alt="" original-src="https://www.globenewswire.com/newsroom/ti?nf=OTYwMjY1NiM3MzIyNzQzIzIyMTEzNjg="/></p>
<p><img src="https://imageproxy.pbkrs.com/https://ml.globenewswire.com/media/ZDU5NWI4MjYtMmRjNC00YzBhLWJhY2EtY2JlZDAwMmJlODM1LTEyMjI5MjEtMjAyNS0xMi0xNS1lbg==/tiny/BayFirst-Financial-Corp-.png" alt="" original-src="https://ml.globenewswire.com/media/ZDU5NWI4MjYtMmRjNC00YzBhLWJhY2EtY2JlZDAwMmJlODM1LTEyMjI5MjEtMjAyNS0xMi0xNS1lbg==/tiny/BayFirst-Financial-Corp-.png"/></p>

BayFirst Financial Corp. 完成了向 Banesco USA 出售价值 9460 万美元贷款的交易 | BAFN 股票新闻