BlastPoint's Banking Scorecard

Brighton Bank

$100M-$1B Specialty: Commercial UT FDIC cert 22578

Salt Lake City, UT

6 branches across UT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 13 in UT.
Deposits -0.6% year over year ($278.8M on the books).
Delinquency rate 0.49%.
Return on assets 1.86%.
Efficiency ratio 62.06% vs a 64.48% peer average.
Loan-to-deposit ratio 76.24% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 13 in UT

View $100M-$1B leaderboard (UT) →

Brighton Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 61.1% in tier
+ ROA 0.54% above tier average
+ Efficiency Ratio 2.42% below tier average
+ Delinquency Rate 0.43% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 36.2% in tier
- Margin Compression: Bottom 41.4% in tier

Get updates when Brighton Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$321.6M -0.5% YoY +1.4% QoQ	-$64.9M	$386.6M +1.2% YoY	$31.1B +21.2% YoY	$6.3B +7.7% YoY	50%
Total Loans ?	$212.6M -3.8% YoY +0.3% QoQ	-$45.8M	$258.3M +1.7% YoY	$18.5B +10.6% YoY	$3.2B +9.4% YoY	51%
Total Deposits ?	$278.8M -0.6% YoY +1.7% QoQ	-$48.0M	$326.7M +0.7% YoY	$23.9B +15.2% YoY	$4.9B +7.3% YoY	51%
Return on Assets ?	1.86% -19.7% YoY +13.1% QoQ	+0.54%	1.32% +10.8% YoY	2.15% +9.7% YoY	1.30% +12.1% YoY	83%
Net Interest Margin ?	4.82% -3.3% YoY +1.5% QoQ	+0.83%	3.99% +5.0% YoY	7.81% +8.6% YoY	3.95% +4.9% YoY	Top 11.6% in tier
Efficiency Ratio ?	62.06% +11.7% YoY -5.3% QoQ	-2.42%	64.48% -3.2% YoY	105.46% +37.7% YoY	70.05% +2.5% YoY	51%
Delinquency Rate ?	0.49% -75.6% YoY	-0.43%	0.92% +15.7% YoY	1.38% +2.5% YoY	0.98% +16.3% YoY	46%
Loan-to-Deposit Ratio ?	76.24% -3.2% YoY -1.4% QoQ	-1.71%	77.95% +1.0% YoY	83.52% +2.9% YoY	79.03% +2.3% YoY	57%
Non-Interest-Bearing Deposit Share ?	33.45% -0.7% YoY +5.5% QoQ	+11.42%	22.03% -0.6% YoY	17.78% -2.6% YoY	21.98% -0.6% YoY	Top 11.7% in tier
Nonperforming Asset Ratio ?	0.33% -76.4% YoY	-0.34%	0.67% +16.4% YoY	0.92% +4.0% YoY	0.69% +15.8% YoY	50%
Tier 1 Capital Ratio ?	11.67% +3.7% YoY -1.6% QoQ	-4.24%	15.91% +1.4% YoY	21.39% +2.0% YoY	17.09% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.19% -19.2% YoY +120.5% QoQ	-0.37%	0.57% +7.6% YoY	2.21% +5.7% YoY	0.66% +5.2% YoY	47%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Noninterest-Bearing	33.4% -0.2pp YoY +1.7pp QoQ	+11.3pp	22.1%	20.1%	22.2%	88%
Brokered Deposits	3.6% 0.0pp YoY -0.1pp QoQ	-4.3pp	7.9%	28.6%	8.5%	42%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
C&I	6.7% +0.1pp YoY -0.4pp QoQ	-4.8pp	11.6%	25.0%	12.5%	31%
CRE	80.7% +2.4pp YoY +3.2pp QoQ	+41.1pp	39.5%	44.1%	41.4%	98%
1-4 Family	13.9% -2.4pp YoY -2.7pp QoQ	-18.7pp	32.6%	13.8%	31.3%	17%
Consumer	0.3% -0.1pp YoY 0.0pp QoQ	-3.8pp	4.1%	45.8%	5.0%	12%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	25.0%	19.7%	n/a
Leverage Ratio	11.7% +0.4pp YoY -0.2pp QoQ	-0.5pp	12.2%	15.7%	12.6%	61%
Total Capital Ratio	n/a	n/a	19.9%	26.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Full-Time Employees	48 0 YoY -2 (-4.0%) QoQ	-11	58	1,029	482	50%
Assets per Employee ($)	$6.7M -0.5% YoY +5.7% QoQ	-$817K	$7.5M	$39.6M	$8.8M	46%
Branch Count	6 0 YoY 0 QoQ	+1	4	13	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Past Due 90+ Days	0.2%	-0.1pp	0.3%	0.6%	0.4%	71%
Nonaccrual	0.2% -1.8pp YoY	-0.7pp	0.9%	1.2%	1.0%	33%
Allowance Coverage	2.38x +295.8% YoY	-21.78x	24.15x	7.86x	20.23x	52%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	3.6%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
ROE	18.2% -6.4pp YoY +2.2pp QoQ	+6.1pp	12.2%	15.9%	11.6%	82%
Cost of Funds (YTD)	1.5% +0.1pp YoY +0.1pp QoQ	-0.2pp	1.7%	2.3%	1.7%	34%
Net Income ($, YTD)	$3.0M -18.7% YoY — QoQ	+$407K	$2.6M	$307.8M	$40.4M	69%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#171 of 278 • Top 61.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 33.45%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.82%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Concerns (2)

Cost Spiral

risk

#51 of 138 • Bottom 36.2% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 62.06%

(Tier: 64.48%, National: 70.05%)

better than tier avg

138 of 138 Community banks match · 184 nationally

→ Stable +9 banks QoQ | QoQ rank improving

Margin Compression

decline

#128 of 307 • Bottom 41.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.86%

(Tier: 1.32%, National: 1.30%)

better than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

308

Net Interest Margin

profitability

Value: 4.82%

Peer Median: 3.99%

#308 of 2643 Top 11.6% in $100M-$1B

310

Non-Interest-Bearing Deposit Share

funding

Value: 33.45%

Peer Median: 22.03%

#310 of 2643 Top 11.7% in $100M-$1B

453

Return on Assets

profitability

Value: 1.86%

Peer Median: 1.32%

#453 of 2643 Top 17.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available