TellerScore

Brighton Bank (FDIC certificate #9189) is based in Brighton, Tennessee. Its Q2 2026 call report shows $51.0M in total assets and $45.5M in deposits and 2 offices.

Brighton Bank has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 546 banks with under $100 million in assets. Among 109 banks headquartered in Tennessee, it ranks 83rd. Problem-loan coverage contributes the most (99/100, 0.4%); earnings contributes the least (0/100, -1.08%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.79%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.07%
Earnings0/100
Return on assets (annualized): -1.08%
Funding & liquidity94/100
Loans ÷ deposits and uninsured-deposit share: 66.6% · 10.9% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.37%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 5 points (68 → 63), mostly because the earnings component weakened by 22 points.

TellerScore
637281Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202480
Q4 202474
Q1 202563
Q2 202568
Q3 202567
Q4 202565
Q1 202663
Q2 202663
Tier 1 leverage ratio
5.00%7.76%10.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.24%
Q3 202410.53%
Q4 202410.03%
Q1 20259.72%
Q2 202510.21%
Q3 202510.05%
Q4 202510.05%
Q1 20269.70%
Q2 20269.79%
Noncurrent loans
0.07%0.08%0.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.08%
Q3 20240.08%
Q4 20240.07%
Q1 20250.10%
Q2 20250.07%
Q3 20250.08%
Q4 20250.07%
Q1 20260.08%
Q2 20260.07%
Return on assets
-1.64%0.31%2.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.26%
Q3 20241.67%
Q4 20240.92%
Q1 2025-1.58%
Q2 20250.04%
Q3 2025-0.15%
Q4 2025-0.36%
Q1 2026-1.64%
Q2 2026-1.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$51.0M9.79%0.07%-1.08%66.6%
Q1 202663$55.0M9.70%0.08%-1.64%59.6%
Q4 202565$55.4M10.05%0.07%-0.36%64.0%
Q3 202567$56.4M10.05%0.08%-0.15%60.1%
Q2 202568$57.1M10.21%0.07%0.04%68.6%
Q1 202563$56.2M9.72%0.10%-1.58%64.0%
Q4 202474$61.7M10.03%0.07%0.92%72.1%
Q3 202480$57.3M10.53%0.08%1.67%81.7%
Q2 202481$58.7M10.24%0.08%2.26%87.5%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.79%
16th
Total risk-based capital0.00%
27th
Problem loans0.07%
64th
Net charge-offs0.00%
58th
Return on assets-1.08%
6th
Net interest margin3.50%
29th
Efficiency ratio109.9%
9th
Loans to deposits66.6%
49th
Uninsured deposits10.9%
70th
Loan-loss reserves1.54%
71st
Texas ratio0.4%
64th

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
The Lauderdale County BankBank Halls, TN67 out of 100, Moderate$67.5M11.5%1.50%vs
Highland Federal Savings and Loan AssociationBank Crossville, TN89 out of 100, Very strong$79.0M22.2%0.00%vs
Farmers BankBank Parsons, TN60 out of 100, Moderate$94.8M9.1%0.31%vs
Lawrenceburg Federal BankBank Lawrenceburg, TN79 out of 100, Strong$95.2M18.4%0.41%vs
Union Bank & Trust CompanyBank Livingston, TN66 out of 100, Moderate$98.1M12.9%2.63%vs

Deposit insurance

Is my money safe at Brighton Bank?

Yes. Brighton Bank is an FDIC-insured institution (FDIC certificate #9189). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.9% of deposits ($5.0M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.79%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Brighton Bank lists 1 office in 1 city. Most locations:

  • Brighton, TN (1)

All branch addresses and map

Identity & history

Profile

Legal name
Brighton Bank
Former names
Brighton Savings Bank
Type
State-chartered bank
FDIC certificate #
9189
RSSD ID
227656
Primary regulator
FDIC
Holding company
Brighton Bcorp Inc
Established
October 10, 1910
Headquarters
7663 Highway 51 S, Brighton, TN 38011
Employees
53

Quick answers

Brighton Bank: common questions

Is Brighton Bank FDIC insured?

Yes. Brighton Bank is an FDIC-insured institution (FDIC certificate #9189). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Brighton Bank's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Brighton Bank ever failed?

There is no failure record for FDIC certificate #9189 in the FDIC failed bank list.

How many branches does Brighton Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Brighton

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
First South Financial Federal Credit UnionCredit union Bartlett, TN95 out of 100, Very strong$844.8M30.2%0.22%vs
TVA Mid-South Federal Credit UnionCredit union Memphis, TN85 out of 100, Very strong$3.2M17.4%0.00%vs
Methodist Healthcare Federal Credit UnionCredit union Cordova, TN82 out of 100, Strong$46.2M17.6%1.03%vs
Memphis City Employees Credit UnionCredit union Memphis, TN81 out of 100, Strong$502.5M14.5%0.63%vs
Security Bank and Trust CompanyBank Paris, TN79 out of 100, Strong$1.7B10.9%0.02%vs