BayFirst Financial Corp

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About Us

BayFirst Financial Corp. (f/k/a First Home Bancorp, Inc.) is a registered bank holding company which commenced operations on September 1, 2000. Its primary source of income is from its wholly owned subsidiary, First Home Bank, which commenced business operations on February 12, 1999. First Home Bank is a Federal Reserve member and a state-chartered banking institution serving the broad spectrum of consumers and small businesses in the Tampa Bay region, supported by national business lines in residential and SBA lending. First Home utilizes these national business lines to provide financial support for the delivery and expansion of traditional banking services, and to serve as specialized lead products to introduce the Bank to new customers in the Tampa Bay region. BayFirst Financial Corp. strives to be a progressive institution in its products & services, technology, design, and social responsibility.

Press Releases

SEC Filings

All Filings for BayFirst Financial Corp. Available via EDGAR

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Our Team

George Apostolou

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  • Director - BayFirst Financial Corp. and First Home Bank
  • Principal - Apostolou Construction Company

Mark S. Berset

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  • Director - BayFirst Financial Corp.
  • Chair of the Nominating/Ad Hoc Executive Committee
  • Chief Executive Officer - Comegys Insurance Agency

Derek S. Berset

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  • Director - BayFirst Financial Corp. and First Home Bank
  • Vice President - Comegys Insurance Agency

D. "Rep" DeLoach III

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  • Director – BayFirst Financial Corp. and First Home Bank
  • Chair of the Compensation Committee
  • Partner - DeLoach, Hofstra & Cavonis, PA

Dr. Alex Harris

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  • Director – BayFirst Financial Corp. and First Home Bank
  • CEO and Co-founder - Arts Conservatory for Teens

Tarek Helal

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  • Director - BayFirst Financial Corp. and First Home Bank
  • Chair of the Asset Liability and Investment Committee
  • Sr. Vice President - Raymond James

Trifon Houvardas

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  • Director - BayFirst Financial Corp. and First Home Bank
  • Owner/Broker - Foresight Property Services

Anthony N. Leo

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  • Director - BayFirst Financial Corp. and First Home Bank
  • Chief Executive Officer - BayFirst Financial Corp. and First Home Bank

Christos Politis, M.D.

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  • Director - BayFirst Financial Corp. and First Home Bank
  • Senior Vice President / Partner of Xenia Management Corp

Anthony Saravanos

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  • Chairman - BayFirst Financial Corp. and Director - First Home Bank
  • President - Greenleaf Capital, LLC

Bradly W. Spoor

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  • Director – BayFirst Financial Corp. and First Home Bank
  • Chief Executive Officer - Spoor Street Investments

Harold J. Winner

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  • Chairman of the Board - First Home Bank and Director - BayFirst Financial Corp.
  • Chair of the Directors Loan Committee
  • Retired Banker

Barbara Zipperian

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  • Director - BayFirst Financial Corp. and First Home Bank
  • Retired CFO (CPA)
  • Chair of the Audit and Risk Management Committee

Management

Anthony N. Leo, Chief Executive Officer

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Anthony N. Leo has served as Chief Executive Officer of First Home Bank since 2013. Mr. Leo previously served as Executive Vice President & Managing Director of Community Banks, Inc., a diversified financial holding company based in Harrisburg, PA. He began his career as Vice President & Associate Counsel for the National Bank of Washington, D.C., and later was Vice President & Corporate Counsel for FB&T Corporation, Hanover, PA. Mr. Leo received his BA with distinction from The George Washington University and his JD from The George Washington University Law School. He is a member of the Bar of the District of Columbia and the State of Maryland.

Robin L. Oliver, Executive Vice President, Chief Financial Officer

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Robin L. Oliver serves as Executive Vice President and Chief Financial Officer for First Home Bank and BayFirst Financial Corp. Prior to joining First Home Bank in 2018, Mrs. Oliver served as Controller for a financial institution in Kentucky, and for the first 16 years of her career, she served multiple financial institution clients in public accounting as an auditor with Crowe LLP. Mrs. Oliver is a Certified Public Accountant and received her BA in Accounting from the University of Kentucky.

Brandi N. Jaber, President Residential Mortgage Division

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Brandi N. Jaber serves as the President of the Residential Mortgage Division for First Home Bank. Ms. Jaber joined the Bank in November 2017 and most recently served as the Chief Administrative Officer. Prior to joining First Home Bank, Ms. Jaber spent over 17 years in various management roles in the residential mortgage industry. She has served as an executive team member for the past 2 years, leading numerous cross-functional initiatives. Ms. Jaber holds a BS in Finance from the University of Florida and an MBA from the University of Tampa.

Lewis O. Benner, Executive Vice President, Chief Credit Officer

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Lewis Benner serves as Executive Vice President and Chief Credit Officer. Mr. Benner joined First Home Bank in 2018 and previous to joining First Home Bank, Mr. Benner served in leadership roles from multiple financial institutions. Mr. Benner’s experience includes serving as President and CEO of 1st Manatee Bank, EVP and Chief Lending Officer of Sabal Palm Bank, Community Bank President of Gold Bank, and President of Lancaster Region for Lebanon Valley National Bank/Fulton. Mr. Benner received his BA in Business Administration from Elizabethtown College.

Matthew M. Luckey, Executive Vice President, Chief Banking Officer

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Matthew M. Luckey serves as Executive Vice President and Chief Lending Officer, and leads the Community Banking Division of First Home Bank. Prior to joining First Home Bank in 2015, Mr. Luckey served in several retail banking and commercial banking capacities, including branch management, credit underwriting, and commercial lending. He began his career as a Banking Associate with SunTrust Bank, followed by Vice President roles at United Bank, Synovus Bank, and The Bank of Tampa. Mr. Luckey received his BBA from the University of Georgia.

Thomas G. Zernick, President, CreditBench

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Thomas G. Zernick is the President of the CreditBench. Prior to joining First Home Bank in 2016, Mr. Zernick served as Florida Market President for Stearns Bank, and as an SBA Product Manager for HomeBanc in Tampa. Before relocating to Florida, Mr. Zernick served as a Community Bank President and SBA President for Republic Bank in Michigan. Mr. Zernick received his BBA from the University of Notre Dame.