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Brighton Bank

under $100M Specialty: Other TN FDIC cert 9189

Designations: ✓ Community bank

Brighton, TN

2 branches across TN

541 banks in the under $100M peer group nationally 6 in TN
View under $100M leaderboard (TN) →

Brighton Bank has 2 strengths but faces 3 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

  • + Non-Interest Income / Assets 1.41% above tier average
  • + Delinquency Rate 1.29% below tier average

Key Concerns

Areas that may need attention

  • - Return on Assets 2.47% below tier average
  • - Efficiency Ratio 26.02% above tier average
  • - Net Interest Margin 0.60% below tier average
Get updates when Brighton Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $55.0M
-2.0% YoY -0.6% QoQ
-$7.1M $62.2M
-0.6% YoY
$2.8B
+35.7% YoY
$6.2B
+9.1% YoY
38%
Total Loans ? $29.5M
-8.1% YoY -7.1% QoQ
-$4.8M $34.2M
-1.4% YoY
$2.0B
+36.6% YoY
$3.2B
+10.8% YoY
45%
Total Deposits ? $49.5M
-1.2% YoY -0.2% QoQ
-$2.3M $51.7M
-0.7% YoY
$2.4B
+35.2% YoY
$4.8B
+8.2% YoY
44%
Return on Assets ? -1.64%
-3.5% YoY -360.3% QoQ
-2.47% 0.84%
-2.3% YoY
1.12%
+20.1% YoY
1.23%
+13.4% YoY
Bottom 5.7% in tier
Net Interest Margin ? 3.26%
+9.0% YoY -2.0% QoQ
-0.60% 3.86%
+2.8% YoY
3.93%
+7.0% YoY
3.89%
+5.7% YoY
23%
Efficiency Ratio ? 114.36%
+3.4% YoY +11.8% QoQ
+26.02% 88.34%
+0.3% YoY
66.13%
-5.5% YoY
66.95%
-4.1% YoY
Bottom 9.6% in tier
Delinquency Rate ? 0.08%
-21.8% YoY +7.6% QoQ
-1.29% 1.37%
+33.8% YoY
0.68%
+13.4% YoY
0.95%
+18.8% YoY
65%
Loan-to-Deposit Ratio ? 59.57%
-6.9% YoY -6.9% QoQ
-4.64% 64.22%
-0.7% YoY
79.84%
+2.1% YoY
76.70%
+0.9% YoY
59%
Non-Interest-Bearing Deposit Share ? 19.30%
+8.1% YoY +0.3% QoQ
-4.41% 23.71%
+0.3% YoY
18.48%
-3.8% YoY
22.01%
-1.2% YoY
37%
Nonperforming Asset Ratio ? 0.04%
-26.7% YoY +0.6% QoQ
-0.75% 0.79%
+28.2% YoY
0.56%
+16.1% YoY
0.67%
+19.3% YoY
65%
Tier 1 Capital Ratio ? 9.70%
-61.7% YoY -61.3% QoQ
-16.98% 26.68%
+2.0% YoY
14.23%
-1.0% YoY
17.06%
+0.8% YoY
Bottom 4.8% in tier
Non-Interest Income / Assets ? 2.07%
-34.2% YoY -83.9% QoQ
+1.41% 0.67%
+1.9% YoY
0.17%
-1.0% YoY
0.32%
+4.1% YoY
Top 3.0% in tier

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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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).
Comparing against 541 peers in under $100M

Top Strengths (1 metrics)

17
Non-Interest Income / Assets
revenue_mix
Value: 2.07%
Peer Median: 0.67%
#17 of 541 Top 3.0% in under $100M

Top Weaknesses (4 metrics)

516
Tier 1 Capital Ratio
capital
Value: 9.70%
Peer Median: 26.68%
#516 of 541 Bottom 4.8% in under $100M
511
Return on Assets
profitability
Value: -1.64%
Peer Median: 0.84%
#511 of 541 Bottom 5.7% in under $100M
490
Efficiency Ratio
profitability
Value: 114.36%
Peer Median: 88.34%
#490 of 541 Bottom 9.6% in under $100M
420
Net Interest Margin
profitability
Value: 3.26%
Peer Median: 3.86%
#420 of 541 Bottom 22.6% in under $100M
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