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 standout move of Q2 2026 was in Total interest expense: 7.9% higher than in Q1 2026, at $1.1M. Within Utah, Brighton Bank is 26th of 44 on net interest margin, 4.85% as of Q2 2026. Brighton Bank reported 4.85% on net interest margin for Q2 2026, 0.91 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.34% |
| Yield on loans | 7.75% |
| Yield on securities | 2.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.27% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.37% |
| Cost of borrowings | 3.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.85% |
| Yield to cost spread | 3.97% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.2M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 5.98% | 0.63% | 5.17% | 7.42% | 2.22% |
| Q4 2023 | 6.26% | 0.75% | 5.32% | 7.71% | 2.25% |
| Q1 2024 | 5.86% | 0.84% | 4.82% | 7.34% | 1.80% |
| Q2 2024 | 6.07% | 0.96% | 4.89% | 7.37% | 2.31% |
| Q3 2024 | 6.05% | 1.02% | 4.79% | 7.51% | 2.30% |
| Q4 2024 | 6.22% | 1.01% | 4.98% | 7.59% | 2.37% |
| Q1 2025 | 6.27% | 1.10% | 4.94% | 7.53% | 2.39% |
| Q2 2025 | 6.31% | 1.20% | 4.88% | 7.61% | 2.40% |
| Q3 2025 | 6.30% | 1.27% | 4.80% | 7.80% | 2.41% |
| Q4 2025 | 6.26% | 1.25% | 4.79% | 7.70% | 2.41% |
| Q1 2026 | 6.11% | 1.20% | 4.71% | 7.56% | 2.41% |
| Q2 2026 | 6.34% | 1.27% | 4.85% | 7.75% | 2.45% |
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 22578) · FFIEC NIC profile (RSSD 406974)