Brighton Bank: how it compares with its peers
Against 525 U.S. banks with half to twice its assets, Brighton Bank's strongest measure in Q2 2026 is net interest margin (3.50% vs. a 3.87% peer median). Its weakest relative measure is assets per employee ($963K vs. $6.1M).
| Measure | Brighton Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -1.08% | 1.03% | Bottom third Ahead of 5% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.50% | 3.87% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 109.92% | 69.64% | Bottom third Ahead of 8% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $963K | $6.1M | Bottom third Ahead of 2% of peers |
| Loans to deposits Net loans and leases over total deposits. | 66.62% | 66.90% | Context |
What it means for lending operations
Its efficiency ratio of 109.92% is above the 69.64% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Lamont Bank of St. John Saint John, WA · $51M
- FMB Bank Wright City, MO · $51M
- The State Exchange Bank Mankato, KS · $51M
- Rayne Building and Loan Association Rayne, LA · $51M
- The Merchants & Planters Bank Clarendon, AR · $51M
- Peoples Bank of Deer Lodge Deer Lodge, MT · $51M
Questions about Brighton Bank
How big is Brighton Bank?
Brighton Bank, established in 1910, is headquartered in Brighton, TN. It reported $51M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Brighton Bank's return on assets?
-1.08% annualized in Q2 2026, against a 1.03% median for 525 U.S. banks with half to twice its assets, ahead of 5% of them.
What is Brighton Bank's efficiency ratio?
109.92% in Q2 2026: it spent about 110 cents in noninterest expense for each dollar of revenue. The peer median is 69.64%, and lower is better.
Is Brighton Bank growing its loans?
Net loans shrank 13.2% over the year to Q2 2026, while deposits shrank 10.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.