BRIGHTON BANK

BRIGHTON, TN | Micro | Est. Oct. 10, 1910, midnight | FDIC #9189 | RSSD #227656 | FDIC
Latest Report: 2025-12-31

BRIGHTON BANK is amn micro FDIC-insured commercial bank headquartered in BRIGHTON, TN, established in Oct. 10, 1910, midnight. As of 2025-12-31, the bank reported total assets of $55M and total deposits of $50M. Profitability stands at -0.99% ROA and -9.90% ROE, with a net interest margin of 3.91%. The bank's CET1 capital ratio is 25.09%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.07% and a Texas Ratio of 0.38%. FDIC Certificate #9189.

Assets

$55M

Deposits

$50M

Loans

$32M

Equity

$6M

Profitability

Return on Assets (ROA) -0.99%
Return on Equity (ROE) -9.90%
Net Interest Margin (NIM) 3.91%
Yield on Assets 6.50%
Cost of Funds 3.32%

Asset Quality

NPL Ratio 0.07%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.38%
NPA Ratio 0.04%
ACL / Loans 1.48%

Capital & Liquidity

CET1 Ratio 25.09%
Tier 1 Capital 25.09%
Total Capital Ratio 26.36%
Leverage Ratio 10.05%
Loan-to-Deposit 64.96%

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