Brighton Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 7.13 percentage points higher than in Q1 2026, at 67.66%. Within Tennessee, Brighton Bank is 91st of 109 on loan-to-deposit ratio, 67.66% as of Q2 2026. The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio; Brighton Bank reported 67.66% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $30.8M |
| Net loans and leases | $30.3M |
| Loans held for sale | $5.0M |
| Loans to total assets | 60.11% |
| Loan-to-deposit ratio | 67.66% |
| Net loans to equity capital | 5.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.24% |
| Multifamily (5+ residential) | 3.40% |
| Commercial and industrial | 7.70% |
| Consumer | 1.06% |
| Credit cards | 0.00% |
| Farm | 0.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 43.21% |
| Construction concentration (Tier 1 capital + allowance) | 0.75% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.10% |
| Interest income on loans | $533K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $34.6M | $41.2M | 11.86% | 7.13% | 1.78% |
| Q4 2023 | $41.0M | $44.5M | 10.07% | 6.64% | 1.41% |
| Q1 2024 | $38.9M | $40.9M | 11.90% | 6.58% | 1.35% |
| Q2 2024 | $38.0M | $42.9M | 12.12% | 5.92% | 1.37% |
| Q3 2024 | $35.9M | $43.4M | 12.63% | 6.68% | 1.36% |
| Q4 2024 | $37.4M | $51.2M | 11.89% | 6.26% | 1.13% |
| Q1 2025 | $32.5M | $50.1M | 13.30% | 5.28% | 1.17% |
| Q2 2025 | $35.4M | $50.9M | 11.62% | 4.64% | 1.02% |
| Q3 2025 | $30.6M | $50.2M | 12.56% | 6.19% | 1.33% |
| Q4 2025 | $32.2M | $49.5M | 11.60% | 9.58% | 1.13% |
| Q1 2026 | $29.9M | $49.5M | 13.85% | 7.75% | 1.09% |
| Q2 2026 | $30.8M | $45.5M | 12.24% | 7.70% | 1.06% |
Brighton Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Brighton Bank, freeSource: Call Report Schedule RC-C, 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)