Brighton Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.36 percentage points to 3.59%. Brighton Bank ranks 80th of 109 Tennessee banks on net interest margin, in the lower half at 3.59% (Q2 2026). The median for banks in the < $100M asset tier is 3.88% on net interest margin. Brighton Bank sits 0.29 points lower, at 3.59% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.67% |
| Yield on loans | 7.10% |
| Yield on securities | 2.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.28% |
| Cost of interest-bearing deposits | 2.78% |
| Cost of interest-bearing liabilities | 2.86% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.59% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $533K |
| Total interest expense | $273K |
| Interest expense on deposits | $265K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.91% | 1.69% | 4.53% | 6.29% | 2.93% |
| Q4 2023 | 5.83% | 1.99% | 4.22% | 6.49% | 3.02% |
| Q1 2024 | 6.28% | 2.29% | 4.42% | 6.70% | 3.19% |
| Q2 2024 | 5.84% | 2.70% | 3.77% | 6.15% | 3.46% |
| Q3 2024 | 5.90% | 2.98% | 3.59% | 6.51% | 3.63% |
| Q4 2024 | 6.14% | 3.20% | 3.44% | 6.81% | 4.27% |
| Q1 2025 | 5.66% | 2.88% | 3.06% | 6.76% | 3.46% |
| Q2 2025 | 5.79% | 2.73% | 3.27% | 6.77% | 2.51% |
| Q3 2025 | 5.82% | 2.73% | 3.32% | 7.13% | 3.79% |
| Q4 2025 | 5.63% | 2.70% | 3.16% | 6.75% | 3.20% |
| Q1 2026 | 5.42% | 2.37% | 3.23% | 6.97% | 2.80% |
| Q2 2026 | 5.67% | 2.28% | 3.59% | 7.10% | 2.71% |
Brighton Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Brighton Bank, freeSource: Call Report Schedules RI and RC-K, 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)