Bank Comparison
Brighton Bank vs United National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Brighton Bank | United National Bank |
|---|---|---|
| CET1 Ratio | — | 22.43% |
| Tier 1 Capital Ratio | — | 22.43% |
| Total Capital Ratio | — | 23.70% |
| Tier 1 Leverage Ratio | 11.85% | 14.95% |
| Equity / Assets | 10.41% | 14.84% |
Profitability
| Metric | Brighton Bank | United National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.65% | 0.91% |
| Return on Equity (ROE) | 16.08% | 6.17% |
| Net Interest Margin (NIM) | 4.71% | 4.31% |
| Yield on Earning Assets | 6.11% | 6.38% |
| Cost of Funds | 1.51% | 2.40% |
Asset quality
| Metric | Brighton Bank | United National Bank |
|---|---|---|
| Texas Ratio | 5.86% | 19.18% |
| Non-Performing Loan Ratio | 0.97% | 3.42% |
| Non-Performing Asset Ratio | 0.66% | 3.16% |
| Net Charge-Off Ratio | 0.00% | 0.03% |
| ACL / Loans | 1.16% | 2.21% |
Balance sheet
| Metric | Brighton Bank | United National Bank |
|---|---|---|
| Total Assets | $317,090K | $316,638K |
| Total Deposits | $274,147K | $262,311K |
| Total Loans | $214,374K | $233,394K |
| Total Equity | $33,020K | $46,979K |
| Net Income (quarter) | $1,303K | $721 |
Liquidity & funding
| Metric | Brighton Bank | United National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 78.20% | 88.98% |
| Core Deposit Ratio | 92.59% | 85.25% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Brighton Bank | United National Bank |
|---|---|---|
| Headquarters City | SALT LAKE CITY | CAIRO |
| Headquarters State | UT | GA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 23981 |
| Regulator | FDIC | OCC |
| Domestic Branches | 6 | 1 |
| Employees (FTE) | 50 | 39 |
| Established | Jan. 3, 1978, midnight | May 26, 2000, midnight |
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 . 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.
View full Brighton Bank profile | View full United National Bank profile | Browse all bank comparisons