Brighton Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Retained earnings: 13.5% higher than in Q1 2026, at $1.3M. Among 71 Tennessee banks, Brighton Bank sits 2nd from the top on CET1 ratio, 26.08% as of Q2 2026. Brighton Bank reported 26.08% on CET1 ratio for Q2 2026, 6.12 points above the 19.96% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 26.08% |
| Tier 1 risk-based capital ratio | 26.08% |
| Total risk-based capital ratio | 27.35% |
| Tier 1 leverage ratio | 10.11% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $5.4M |
| Tier 1 capital | $5.4M |
| Total risk-based capital | $5.7M |
| Total equity capital | $5.4M |
| Risk-weighted assets | $20.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.58% |
| Tangible equity to tangible assets | 10.58% |
| Equity capital to average assets | 10.11% |
| Internal capital growth rate | 12.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $75K |
| Common stock surplus | $4.0M |
| Retained earnings | $1.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$49K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 21.68% | 21.68% | 22.93% | 9.79% | $23.4M |
| Q4 2023 | 19.81% | 19.81% | 21.07% | 9.67% | $26.3M |
| Q1 2024 | 20.16% | 20.16% | 21.41% | 9.78% | $26.3M |
| Q2 2024 | 23.33% | 23.33% | 24.58% | 10.24% | $25.1M |
| Q3 2024 | 25.18% | 25.18% | 26.45% | 10.53% | $23.6M |
| Q4 2024 | 23.12% | 23.12% | 24.38% | 10.03% | $24.8M |
| Q1 2025 | 25.32% | 25.32% | 26.59% | 9.72% | $21.8M |
| Q2 2025 | 25.96% | 25.96% | 27.23% | 10.21% | $22.2M |
| Q3 2025 | 27.78% | 27.78% | 29.04% | 10.05% | $20.4M |
| Q4 2025 | 25.09% | 25.09% | 26.36% | 10.05% | $22.1M |
| Q1 2026 | — | — | — | 9.70% | — |
| Q2 2026 | 26.08% | 26.08% | 27.35% | 10.11% | $20.8M |
Brighton Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Brighton Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Brighton Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9189) · FFIEC NIC profile (RSSD 227656)