Brighton Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loan-to-deposit ratio dropped 1.06 percentage points in Q2 2026, from 78.20% to 77.13%. It was the largest change from Q1 2026 among the key lines here. Brighton Bank ranks 30th of 44 Utah banks on loan-to-deposit ratio, in the lower half at 77.13% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Brighton Bank sits 3.42 points lower, at 77.13% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $46.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $93.0M |
| Fed funds sold and reverse repos | $712K |
| Fed funds sold and reverse repos to assets | 0.22% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $7.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.33% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.13% |
| Net loans and leases to deposits | 76.24% |
| Loans and leases to core deposits | 83.67% |
| Core deposits to total deposits | 88.60% |
| Brokered deposits to total deposits | 3.59% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 79.84% | 94.65% | $0 | $10.0M |
| Q4 2023 | 80.04% | 93.59% | $0 | $10.0M |
| Q1 2024 | 77.26% | 93.49% | $0 | $10.0M |
| Q2 2024 | 77.01% | 92.06% | $0 | $10.0M |
| Q3 2024 | 73.58% | 91.62% | $0 | $10.0M |
| Q4 2024 | 80.04% | 90.73% | $0 | $10.0M |
| Q1 2025 | 82.65% | 86.61% | $0 | $10.0M |
| Q2 2025 | 79.71% | 87.27% | $0 | $10.0M |
| Q3 2025 | 75.19% | 88.31% | $0 | $7.5M |
| Q4 2025 | 78.48% | 87.97% | $0 | $7.5M |
| Q1 2026 | 78.20% | 88.94% | $0 | $7.5M |
| Q2 2026 | 77.13% | 88.60% | $0 | $7.5M |
Brighton Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Brighton Bank, freeSource: Call Report Schedules RC and RC-M, 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 22578) · FFIEC NIC profile (RSSD 406974)