BlastPoint's Banking Scorecard
Brighton Bank
Designations: ✓ Community bank
Brighton, TN
2 branches across TN
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 536 banks in the under $100M peer group nationwide — 1 of 6 in TN.
- Deposits -10.6% year over year ($45.5M on the books).
- Delinquency rate 0.07%.
- Return on assets -1.08%.
- Efficiency ratio 109.92% vs a 119.40% peer average.
- Loan-to-deposit ratio 66.62% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Brighton Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 2.57% above tier average
- + Efficiency Ratio 9.47% below tier average
- + Delinquency Rate 1.41% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 2.08% below tier average
- - Efficiency Ratio 9.47% below tier average
- - Net Interest Margin 0.42% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$51.0M
-10.6% YoY
-7.3% QoQ
|
-$11.4M |
$62.4M
-0.0% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
32% |
| Total Loans ? |
$30.3M
-13.2% YoY
+2.9% QoQ
|
-$4.6M |
$34.9M
-0.6% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
45% |
| Total Deposits ? |
$45.5M
-10.6% YoY
-8.0% QoQ
|
-$6.1M |
$51.6M
-0.2% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
37% |
| Return on Assets ? |
-1.08%
+34.2% QoQ
|
-2.08% |
1.00%
+3.5% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 6.0% in tier |
| Net Interest Margin ? |
3.50%
+12.0% YoY
+7.3% QoQ
|
-0.42% |
3.91%
+2.3% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
29% |
| Efficiency Ratio ? |
109.92%
+10.2% YoY
-3.9% QoQ
|
-9.47% |
119.40%
+49.6% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 9.3% in tier |
| Delinquency Rate ? |
0.07%
-6.9% YoY
-11.3% QoQ
|
-1.41% |
1.48%
+31.8% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
66.62%
-2.9% YoY
+11.8% QoQ
|
-7.59% |
74.21%
+12.6% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
20.08%
+9.2% YoY
+4.0% QoQ
|
-3.41% |
23.49%
+0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.04%
-9.6% YoY
-1.5% QoQ
|
-0.80% |
0.84%
+23.0% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
9.79%
-62.3% YoY
+0.9% QoQ
|
-17.34% |
27.13%
+3.0% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
Bottom 4.3% in tier |
| Non-Interest Income / Assets ? |
3.95%
-41.1% YoY
+90.8% QoQ
|
+2.57% |
1.38%
+6.3% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
Top 3.2% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.1%
+1.7pp YoY +0.8pp QoQ |
-4.6pp | 24.6% | 18.8% | 22.2% | 36% |
| Brokered Deposits | n/a | n/a | 9.8% | 9.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.8%
+3.1pp YoY -0.1pp QoQ |
-5.6pp | 13.4% | 10.9% | 12.5% | 38% |
| CRE |
16.0%
-0.1pp YoY -1.8pp QoQ |
-9.2pp | 25.2% | 42.4% | 41.4% | 37% |
| 1-4 Family |
76.4%
-2.8pp YoY +1.8pp QoQ |
+41.4pp | 35.0% | 39.8% | 31.3% | 90% |
| Consumer |
1.1%
0.0pp YoY 0.0pp QoQ |
-6.6pp | 7.7% | 4.5% | 5.0% | 13% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 14.8% | 19.7% | n/a |
| Leverage Ratio |
9.8%
-0.4pp YoY +0.1pp QoQ |
-7.9pp | 17.7% | 11.4% | 12.6% | 16% |
| Total Capital Ratio | n/a | n/a | 39.7% | 15.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
53
-21 (-28.4%) YoY -6 (-10.2%) QoQ |
+41 | 12 | 270 | 482 | 99% |
| Assets per Employee ($) |
$962,981
+24.8% YoY +3.2% QoQ |
-$5.2M | $6.2M | $7.1M | $8.8M | 2% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 17 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-1.7pp | 1.7% | 0.7% | 1.0% | 8% |
| Allowance Coverage |
22.67x
+23.3% YoY +9.5% QoQ |
+16.26x | 6.41x | 28.97x | 20.23x | 94% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-10.9%
-11.4pp YoY +5.9pp QoQ |
-17.3pp | 6.4% | 10.9% | 11.6% | 4% |
| Cost of Funds (YTD) |
2.2%
-0.3pp YoY 0.0pp QoQ |
+0.8pp | 1.4% | 2.0% | 1.7% | 87% |
| Net Income ($, YTD) |
$-290000.0
-2330.8% YoY — QoQ |
-$608K | $317,817 | $16.7M | $40.4M | 5% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.