Brighton Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Core deposits to total deposits climbed 7.17 percentage points in Q2 2026, from 84.92% to 92.09%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Brighton Bank is 50th of 109 on return on assets, 1.19% as of Q2 2026. The median for banks in the < $100M asset tier is 1.00% on return on assets. Brighton Bank sits 0.19 points higher, at 1.19% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 26.08% |
| Tier 1 risk-based capital ratio | 26.08% |
| Total risk-based capital ratio | 27.35% |
| Tier 1 leverage ratio | 10.11% |
| Equity capital to assets | 10.58% |
| Tangible equity to tangible assets | 10.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.07% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.36% |
| Allowance for credit losses to loans | 1.54% |
| Reserve coverage of non-performing loans | 2266.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.19% |
| Return on equity | 11.89% |
| Net interest margin | 3.59% |
| Efficiency ratio | 89.88% |
| Yield on earning assets | 5.67% |
| Cost of funds | 2.28% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.66% |
| Core deposits to total deposits | 92.09% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.84% |
| Securities to assets | 10.78% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 21.68% | 21.68% | 22.93% | 9.79% | 2.17% |
| Q4 2023 | 19.81% | 19.81% | 21.07% | 9.67% | 1.48% |
| Q1 2024 | 20.16% | 20.16% | 21.41% | 9.78% | 0.79% |
| Q2 2024 | 23.33% | 23.33% | 24.58% | 10.24% | 3.86% |
| Q3 2024 | 25.18% | 25.18% | 26.45% | 10.53% | 0.48% |
| Q4 2024 | 23.12% | 23.12% | 24.38% | 10.03% | -1.31% |
| Q1 2025 | 25.32% | 25.32% | 26.59% | 9.72% | -1.64% |
| Q2 2025 | 25.96% | 25.96% | 27.23% | 10.21% | 1.74% |
| Q3 2025 | 27.78% | 27.78% | 29.04% | 10.05% | -0.56% |
| Q4 2025 | 25.09% | 25.09% | 26.36% | 10.05% | -1.00% |
| Q1 2026 | — | — | — | 9.70% | -1.65% |
| Q2 2026 | 26.08% | 26.08% | 27.35% | 10.11% | 1.19% |
Brighton Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Brighton Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)