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  <xs:element id="bafn_BankSavingsAndMoneyMarketDepositsMember" abstract="true" name="BankSavingsAndMoneyMarketDepositsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bafn_SBA7aLoansMember" abstract="true" name="SBA7aLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bafn_LoansAndLeasesReceivableServicedForOtherParty" abstract="false" name="LoansAndLeasesReceivableServicedForOtherParty" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_LoansAndLeasesReceivableServicedForOtherPartyGuaranteedBalance" abstract="false" name="LoansAndLeasesReceivableServicedForOtherPartyGuaranteedBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_ServicingAssetsUnpaidPrincipalLoanBalance" abstract="false" name="ServicingAssetsUnpaidPrincipalLoanBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_GainLossOnSalesOfGuaranteedLoansNet" abstract="false" name="GainLossOnSalesOfGuaranteedLoansNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_ServicingAssetFairValueOfServicingRightsCreated" abstract="false" name="ServicingAssetFairValueOfServicingRightsCreated" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_SaleLeasebackTransactionNumberOfPropertiesSold" abstract="false" name="SaleLeasebackTransactionNumberOfPropertiesSold" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="bafn_SaleLeasebackTransactionAggregatePurchasePrice" abstract="false" name="SaleLeasebackTransactionAggregatePurchasePrice" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_ShortTermLeaseCostIncome" abstract="false" name="ShortTermLeaseCostIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_DepositsBeforeTimeDeposits" abstract="false" name="DepositsBeforeTimeDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_June2031SubordinatedNotesMember" abstract="true" name="June2031SubordinatedNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bafn_June2026AmendmentNotesMember" abstract="true" name="June2026AmendmentNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bafn_AmortizingNotePayableMember" abstract="true" name="AmortizingNotePayableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bafn_DebtInstrumentRedemptionPeriod" abstract="false" name="DebtInstrumentRedemptionPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bafn_DebtInstrumentInterestRateInitialTerm" abstract="false" name="DebtInstrumentInterestRateInitialTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bafn_DebtInstrumentInterestRateFinalTerm" abstract="false" name="DebtInstrumentInterestRateFinalTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bafn_DebtInstrumentCollateralPercent" abstract="false" name="DebtInstrumentCollateralPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bafn_EquityPlanMember" abstract="true" name="EquityPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bafn_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bafn_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableAggregateIntrinsicValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableAggregateIntrinsicValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_NonQualifiedStockPurchasePlanSharesPurchasedDuringPeriod" abstract="false" name="NonQualifiedStockPurchasePlanSharesPurchasedDuringPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="bafn_NonQualifiedStockPurchasePlanSharesPurchasedDuringPeriodAveragePricePerShare" abstract="false" name="NonQualifiedStockPurchasePlanSharesPurchasedDuringPeriodAveragePricePerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="bafn_NonQualifiedStockPurchasePlanSharesIssuedDuringPeriod" abstract="false" name="NonQualifiedStockPurchasePlanSharesIssuedDuringPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="bafn_SupplementalUnemploymentBenefitsSalaryContinuationAnnualCompensationAmount" abstract="false" name="SupplementalUnemploymentBenefitsSalaryContinuationAnnualCompensationAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_SupplementalUnemploymentBenefitsSalaryContinuationPeriod" abstract="false" name="SupplementalUnemploymentBenefitsSalaryContinuationPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bafn_EmployeeStockOwnershipPlanESOPPercentOfEmployersContributionVestForLaidOffParticipants" abstract="false" name="EmployeeStockOwnershipPlanESOPPercentOfEmployersContributionVestForLaidOffParticipants" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bafn_EmployeeStockOwnershipPlanESOPRemainingIndebtednessOfOutstandingLoans" abstract="false" name="EmployeeStockOwnershipPlanESOPRemainingIndebtednessOfOutstandingLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_EffectiveIncomeTaxRateReconciliationOtherIncreaseDecreaseAmountAbstract" abstract="true" name="EffectiveIncomeTaxRateReconciliationOtherIncreaseDecreaseAmountAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bafn_EffectiveIncomeTaxRateReconciliationOtherIncreaseDecreasePercentAbstract" abstract="true" name="EffectiveIncomeTaxRateReconciliationOtherIncreaseDecreasePercentAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bafn_DeferredTaxAssetsTaxDeferredExpenseDiscountOnLoansSold" abstract="false" name="DeferredTaxAssetsTaxDeferredExpenseDiscountOnLoansSold" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_DeferredTaxAssetsLeasingArrangements" abstract="false" name="DeferredTaxAssetsLeasingArrangements" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_DeferredTaxAssetsFairValueAdjustmentsOfLoans" abstract="false" name="DeferredTaxAssetsFairValueAdjustmentsOfLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_DeferredTaxLiabilitiesFairValueAdjustmentsOfLoans" abstract="false" name="DeferredTaxLiabilitiesFairValueAdjustmentsOfLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_LoansAndLeasesReceivableRelatedPartiesRepayments" abstract="false" name="LoansAndLeasesReceivableRelatedPartiesRepayments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_RelatedPartyLeasingTransactionsMember" abstract="true" name="RelatedPartyLeasingTransactionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bafn_RelatedPartyInsuranceTransactionsMember" abstract="true" name="RelatedPartyInsuranceTransactionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bafn_UnfundedLoanCommitmentsMaturityTerm" abstract="false" name="UnfundedLoanCommitmentsMaturityTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bafn_PreferredStockDividendsIncomeStatementImpactConversionOfSeriesBAndC" abstract="false" name="PreferredStockDividendsIncomeStatementImpactConversionOfSeriesBAndC" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_DilutedEarningsLossPerCommonShareAbstract" abstract="true" name="DilutedEarningsLossPerCommonShareAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bafn_ConvertibleSeriesBPreferredStockMember" abstract="true" name="ConvertibleSeriesBPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bafn_ConvertibleSeriesCPreferredStockMember" abstract="true" name="ConvertibleSeriesCPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bafn_ImpairedAssetsMember" abstract="true" name="ImpairedAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bafn_BrokerCostsMember" abstract="true" name="BrokerCostsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bafn_CashOnDepositWithSubsidiary" abstract="false" name="CashOnDepositWithSubsidiary" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_BalanceSheetParentheticalInformationAbstract" abstract="true" name="BalanceSheetParentheticalInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bafn_DividendIncomeFromSubsidiary" abstract="false" name="DividendIncomeFromSubsidiary" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_ExpenseAbstract" abstract="true" name="ExpenseAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bafn_OperatingAndInterestExpense" abstract="false" name="OperatingAndInterestExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_IncomeLossFromContinuingOperationsBeforeIncomeTaxesAndIncomeLossFromSubsidiary" abstract="false" name="IncomeLossFromContinuingOperationsBeforeIncomeTaxesAndIncomeLossFromSubsidiary" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_IncomeLossBeforeIncomeLossFromSubsidiaries" abstract="false" name="IncomeLossBeforeIncomeLossFromSubsidiaries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_IncreaseDecreaseInInterestPayableNetAndOtherOperatingLiabilities" abstract="false" name="IncreaseDecreaseInInterestPayableNetAndOtherOperatingLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bafn_ProceedsFormNetIncreaseOfLoansToBankSubsidiary" abstract="false" name="ProceedsFormNetIncreaseOfLoansToBankSubsidiary" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
