Bank Comparison
Brighton Bank vs The Merchants & Planters Bank
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At Q2 2026, The Merchants & Planters Bank is the larger bank, with $51.3M in total assets to Brighton Bank's $51.3M; Brighton Bank has the higher return on assets (1.19% vs 0.25%).
vs
10 · 3
winning metrics across 13 scored rows
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Capital adequacy
| Metric | Brighton Bank | The Merchants & Planters Bank |
|---|---|---|
| CET1 Ratio | 26.08% | — |
| Tier 1 Capital Ratio | 26.08% | — |
| Total Capital Ratio | 27.35% | — |
| Tier 1 Leverage Ratio | 10.11% | 11.30% |
| Equity / Assets | 10.58% | 7.51% |
Profitability
| Metric | Brighton Bank | The Merchants & Planters Bank |
|---|---|---|
| Return on Assets (ROA) | 1.19% | 0.25% |
| Return on Equity (ROE) | 11.89% | 3.46% |
| Net Interest Margin (NIM) | 3.59% | 3.18% |
| Yield on Earning Assets | 5.67% | 4.44% |
| Cost of Funds | 2.28% | 1.38% |
Asset quality
| Metric | Brighton Bank | The Merchants & Planters Bank |
|---|---|---|
| Texas Ratio | 0.36% | 2.29% |
| Non-Performing Loan Ratio | 0.07% | 0.21% |
| Non-Performing Asset Ratio | 0.04% | 0.18% |
| Net Charge-Off Ratio | 0.00% | -0.02% |
| ACL / Loans | 1.54% | 0.63% |
Balance sheet
| Metric | Brighton Bank | The Merchants & Planters Bank |
|---|---|---|
| Total Assets | $51.3M | $51.3M |
| Total Deposits | $45.5M | $46.9M |
| Total Loans | $30.8M | $20.9M |
| Total Equity | $5.4M | $3.9M |
| Net Income (quarter) | $159K | $33K |
Liquidity & funding
| Metric | Brighton Bank | The Merchants & Planters Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 67.66% | 44.46% |
| Core Deposit Ratio | 92.09% | 86.72% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Brighton Bank | The Merchants & Planters Bank |
|---|---|---|
| Headquarters City | Brighton | Clarendon |
| Headquarters State | TN | AR |
| Asset Tier | under $100M in assets | under $100M in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 53 | 8 |
| Established | October 10, 1910 | January 1, 1890 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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