Brighton Bank
Brighton, TN·RSSD 227656·FDIC 9189·bank:227656·CBLR opted in
- #109 of 109Total assets in Tennessee
- 2offices
- 53employees
- Top 9%Fee income vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Brighton Bank
6 of 23 FORFI signals stand out against 583 similar banks, based on FDIC data for the quarter.
Reliance on CDs falling while the peer median risesNotable: Funding 2nd quarter37.6%peers 32.9%+4.7 pp
Brighton Bank's time deposits' share of deposits fell 10.1 percentage points over the past year to 37.6%. Among 534 similar banks, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Time deposits' share of deposits | ||
| 37.6% | 32.9% | +4.7 pp |
| 12-month change | ||
| -10.1 pp | +0.2 pp | -10.3 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Brighton Bank itself is left out of every peer median and percentile. How signals work
Return on assets falling while the peer median risesWorth a look: Earnings-0.48%peers 1.08%-156 bps
Brighton Bank's annualized return on assets fell 223 bps over the past year to -0.48%. Among 572 similar banks, the median rose 13 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| -0.48% | 1.08% | -156 bps |
| 12-month change | ||
| -223 bps | +13 bps | -235 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Brighton Bank itself is left out of every peer median and percentile. How signals work
Loans shrinking while the peer median growsNotable: Lending-13.0%peers +2.6%-15.6 pp
Brighton Bank's loans declined 13.0% over the past year to $30.8 million. The median among 518 similar banks was +2.6%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -13.0% | +2.6% | -15.6 pp |
| Loans | ||
| $30.8 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Brighton Bank itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency104.7%peers 70.5%+34.2 pp
Brighton Bank's efficiency ratio rose 14.5 percentage points over the past year to 104.7%. Among 571 similar banks, the median fell 1.7 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 104.7% | 70.5% | +34.2 pp |
| 12-month change | ||
| +14.5 pp | -1.7 pp | +16.3 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Brighton Bank itself is left out of every peer median and percentile. How signals work
Deposit costs falling faster than peersStrength: Funding 2nd quarter2.24%peers 1.51%+73 bps
Brighton Bank's cost of all deposits fell 51 bps over the past year to 2.24%. Among 534 similar banks, the median fell 10 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 2.24% | 1.51% | +73 bps |
| 12-month change | ||
| -51 bps | -10 bps | -41 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Brighton Bank itself is left out of every peer median and percentile. How signals work
1 more observation
- Deposits shrinking while the peer median growsFunding
Key facts
- Brighton Bank is a bank headquartered in Brighton, Tennessee. It reported $51.0 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $45.5 million, down 10.6% from a year earlier, and loans totaled $30.8 million, down 13.0%.
- Its net interest margin was 3.72% and its annualized return on assets was -0.48% for the quarter.
- Its cost of all deposits was 2.24%, compared with a median of 1.51% among 538 similar banks with under $100 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Brighton Bank's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Brighton Bank · Bank
- Federal Reserve RSSD
- 227656
- FDIC certificate
- 9189
- Reporting period
- Peer group
- 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Brighton Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| -$64K | — | |
| $744K | — | |
| $273K | — | |
| $471K | — | |
| $877K | — | |
| $1.41M | — | |
| $0 | — | |
| $0 | — | |
| -0.48% | -0.48%ROAQ · Quarter | |
| 3.72% | 3.70%NIMYQ · Quarter | |
| 104.75% | 104.75%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.