Brighton Bank (Salt Lake City, UT)
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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 Salt Lake City, UT, established in 1978 (FDIC certificate 22578), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $321.6M, down 0.5% from Q2 2025, the 38th largest of 44 banks headquartered in Utah. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.67% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22578
- Headquarters
- Salt Lake City, UT
- Established
- 1978
- Total assets, Q2 2026
- $321.6M
- Assets vs Q2 2025
- -0.5%
- Tier 1 leverage ratio, Q2 2026
- 11.67%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 124302503
- Holding company
- BRIGHTON BANCORP
- Asset rank in state
- 38th of 44 in Utah
Brighton Bank, based in Salt Lake City, Utah, reported $322 million in assets at June 30, 2026. It shrank its loan book 3.8% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also keeps 4.85 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.49% of loans from 1.99%. The balance sheet shrank over the year: over the year loans fell 3.8% and deposits fell 0.6%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Brighton Bank reported a return on assets of 2.08%, a nonperforming-loan ratio of 0.49% and a Texas ratio of 2.98%. The figures come from its call report filed with the FFIEC.
Of the 44 banks headquartered in Utah, Brighton Bank is the 38th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.4% to $321.6M, loans rose 0.3% and deposits rose 1.7%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 32.7% of total loans, followed by construction and land development loans at 20.8%. Its 5 offices in the FDIC Summary of Deposits are in Salt Lake City, UT and Draper, UT; its Salt Lake City 4 offices book 92% of its branch deposits. By the capital ratios in its Q2 2026 call report, Brighton Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 7101 S Highland Dr, Salt Lake City, UT 84121
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, UT
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 3, 1978
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $278.8M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $0
- Average total assets
- $318.3M
- Average total loans
- $216.6M
- Average interest-bearing deposits
- $265.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 3, 1978
- FDIC Cert
- 22578
- Fed RSSD
- 406974
- Website
- www.brightonbank.com →
- Parent Holding Company
- BRIGHTON BANCORP (RSSD 1027947)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Brighton Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Brighton Bank's total assets ranged from $290.9M (Q2 2024) to $334.5M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$321.6M total assets against $323.3M; $289.1M total liabilities against $293.6M.
$212.6M net loans and leases against $220.9M; $278.8M total deposits against $280.5M.
$46.8M securities against $48.5M; $46.2M cash and balances due against $38.4M.
$4.8M total interest income against $4.9M; $1.1M total interest expense against $1.1M.
$3.7M net interest income against $3.8M.
$340K total noninterest income against $289K; $2.4M total noninterest expense against $2.2M.
$2K provision for credit losses against -$8K.
$1.7M net income against $1.9M.
2.08% return on assets against 2.31%; 4.85% net interest margin against 4.88%.
11.67% tier 1 leverage ratio against 11.26%.
Inside the full Brighton Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Brighton Bank rankings
Its closest position to the top of a national ranking is 405 of 3,611, for ROA; its furthest is 2,360 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.22% (Q4 2025) to 2.35% (Q1 2025) and its net interest margin ran from 4.71% (Q1 2026) to 4.98% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.67% | 2.08% | 0.49% | 2.98% | 4.85% |
| Q1 2026 | 11.85% | 1.65% | 0.00% | 0.00% | 4.71% |
| Q4 2025 | 11.11% | 1.22% | 2.13% | 13.41% | 4.79% |
| Q3 2025 | 10.82% | 1.58% | 0.35% | 2.22% | 4.80% |
| Q2 2025 | 11.26% | 2.31% | 1.99% | 13.73% | 4.88% |
| Q1 2025 | 12.12% | 2.35% | 1.62% | 10.90% | 4.94% |
| Q4 2024 | 11.36% | 2.34% | 1.68% | 11.45% | 4.98% |
| Q3 2024 | 11.78% | 2.08% | 1.83% | 11.11% | 4.79% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → 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 |
|---|---|---|---|
| Midtown Branch | Salt Lake City , UT | 84115 | $75.2M |
| Brighton Bank (main office) | Salt Lake City , UT | 84121 | $70.3M |
| South Salt Lake Branch | Salt Lake City , UT | 84115 | $56.2M |
| City Center Branch | Salt Lake City , UT | 84111 | $54.2M |
| South Towne Office Branch | Draper , UT | 84020 | $22.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in UT, rank 45 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $334K approved, $334K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 $321.6 million in its FFIEC call report.
Where is Brighton Bank headquartered?
It is headquartered in Salt Lake City, UT, United States.
When was Brighton Bank founded?
It was established in 1978, per the FDIC institution directory.
Is Brighton Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22578). 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.
How many branches does Brighton Bank operate?
It operates 6 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 2.98% 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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