Brighton Bank (Brighton, TN)
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Data as of · sourced from FFIEC call reports. How we update
Brighton Bank is an FDIC-insured commercial bank headquartered in Brighton, TN, established in 1910 (FDIC certificate 9189), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $51.3M, down 10.3% from Q2 2025, the 109th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 26.08% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9189
- Headquarters
- Brighton, TN
- Established
- 1910
- Total assets, Q2 2026
- $51.3M
- Assets vs Q2 2025
- -10.3%
- CET1 ratio, Q2 2026
- 26.08%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 084303338
- Holding company
- BRIGHTON BANCORP, INC.
- Asset rank in state
- 109th of 109 in Tennessee
Brighton Bank, based in Brighton, Tennessee, reported $51 million in assets at June 30, 2026, down 10.3% from a year earlier. It shrank its loan book 13.0% over the year, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 2.6%). It also funds 10.11% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
Earnings fell sharply: quarterly net income of $159,000 was 35% below a year earlier. Costs are the weak spot: it spends about 90 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
As of June 30, 2026, Brighton Bank reported a CET1 capital ratio of 26.08%, a return on assets of 1.19%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.36%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Brighton Bank is the smallest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 6.9% to $51.3M, loans rose 2.9% and deposits fell 8.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 75.2% of total loans, ahead of commercial and industrial loans at 7.7%. Its one office in the FDIC Summary of Deposits is in Brighton, TN. On its Q2 2026 call report, Brighton Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 7663 Highway 51 S, Brighton, TN 38011
- County
- Tipton
- Metro Area
- Memphis, TN-Ms-Ar
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- October 10, 1910
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 53
- Domestic deposits
- $45.5M
- Allowance for credit losses
- $476K
- Net charge-offs (YTD)
- $0
- Average total assets
- $53.6M
- Average total loans
- $30.0M
- Average interest-bearing deposits
- $38.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9189
- Fed RSSD
- 227656
- Website
- www.bankbrighton.com →
- Parent Holding Company
- BRIGHTON BANCORP, INC. (RSSD 1140248)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Brighton Bank's total assets ran between $51.3M (Q2 2026) and $61.7M (Q4 2024), and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$51.3M total assets against $57.1M; $45.8M total liabilities against $51.4M.
$30.3M net loans and leases against $35.0M; $45.5M total deposits against $50.9M.
$5.5M securities against $4.9M; $13.9M cash and balances due against $15.8M.
$744K total interest income against $796K; $273K total interest expense against $346K.
$471K net interest income against $450K.
$1.1M total noninterest income against $2.1M; $1.4M total noninterest expense against $2.3M.
$0 provision for credit losses against $0.
$159K net income against $246K.
1.19% return on assets against 1.74%; 3.59% net interest margin against 3.27%.
26.08% CET1 capital ratio against 25.96%; 10.11% tier 1 leverage ratio against 10.21%.
Inside the full Brighton Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.65% (Q1 2026) to 1.74% (Q2 2025) and its net interest margin ran from 3.06% (Q1 2025) to 3.59% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.08% | 1.19% | 0.07% | 0.36% | 3.59% |
| Q1 2026 | — | -1.65% | 0.08% | 0.40% | 3.23% |
| Q4 2025 | 25.09% | -1.00% | 0.07% | 0.38% | 3.16% |
| Q3 2025 | 27.78% | -0.56% | 0.08% | 0.41% | 3.32% |
| Q2 2025 | 25.96% | 1.74% | 0.07% | 0.42% | 3.27% |
| Q1 2025 | 25.32% | -1.64% | 0.10% | 0.54% | 3.06% |
| Q4 2024 | 23.12% | -1.31% | 0.07% | 0.46% | 3.44% |
| Q3 2024 | 25.18% | 0.48% | 0.08% | 0.46% | 3.59% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Brighton Bank (main office) | Brighton , TN | 38011 | $45.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 155 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Brighton Bank
What are Brighton Bank's total assets?
As of the Q2 2026 filing, Brighton Bank reported total assets of $51.3 million in its FFIEC call report.
Where is Brighton Bank headquartered?
It is headquartered in Brighton, TN, United States.
When was Brighton Bank founded?
It was established in 1910, per the FDIC institution directory.
Is Brighton Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9189). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Brighton Bank?
Brighton Bank's primary federal regulator is the FDIC.
What is Brighton Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 26.08% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Brighton Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Brighton Bank's Texas Ratio?
Its Texas Ratio is 0.36% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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