BlastPoint's Banking Scorecard
Brighton Bank
Micro
Specialty: Commercial
UT
FDIC cert 22578
Designations: ✓ Community bank
Salt Lake City, UT
2498
banks in Micro tier nationally
9 in UT
View Micro leaderboard (UT) →
Brighton Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.14% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$317.1M
+3.0% YoY
-5.2% QoQ
|
+$99.6M |
$217.5M
+2.3% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$213.0M
+1.1% YoY
-1.8% QoQ
|
+$73.8M |
$139.2M
+2.8% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$274.6M
+3.0% YoY
-6.1% QoQ
|
+$90.9M |
$183.7M
+1.8% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
1.87%
-17.5% YoY
-9.8% QoQ
|
+0.79% |
1.08%
+14.7% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
4.99%
+0.8% YoY
+0.0% QoQ
|
+1.14% |
3.85%
+6.6% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
55.46%
-1.2% YoY
-1.9% QoQ
|
-12.27% |
67.73%
-4.8% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
2.16%
+27.0% YoY
+512.6% QoQ
|
+1.52% |
0.64%
+24.4% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
77.57%
-1.9% YoY
+4.6% QoQ
|
+3.05% |
74.53%
+0.5% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
32.26%
-14.5% YoY
+0.2% QoQ
|
+9.87% |
22.39%
-1.3% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
1.45%
+24.6% YoY
+534.8% QoQ
|
+1.00% |
0.45%
+25.1% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.42%
-14.7% YoY
+35.4% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 10%
in Micro
Why this stands out
Current:
4.99%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Net Interest Margin
Current: 4.99% · Tier avg: 3.85%
87
87th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.08%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.26% · Tier avg: 22.39%
80
80th pctile
Efficiency Ratio
Current: 55.46% · Tier avg: 67.73%
77
77th pctile
Total Loans
Current: $213.0M · Tier avg: $139.2M
76
76th pctile
Total Deposits
Current: $274.6M · Tier avg: $183.7M
75
75th pctile
Total Assets
Current: $317.1M · Tier avg: $217.5M
58
58th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
53
53th pctile
Loan-to-Deposit Ratio
Current: 77.57% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.45% · Tier avg: 0.45%
12
12th pctile
Delinquency Rate
Current: 2.16% · Tier avg: 0.64%
Top Weaknesses
12
12th pctile
Delinquency Rate
Current: 2.16% · Tier avg: 0.64%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.45% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Loan-to-Deposit Ratio
Current: 77.57% · Tier avg: 74.53%
58
58th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
75
75th pctile
Total Assets
Current: $317.1M · Tier avg: $217.5M
76
76th pctile
Total Deposits
Current: $274.6M · Tier avg: $183.7M
77
77th pctile
Total Loans
Current: $213.0M · Tier avg: $139.2M
80
80th pctile
Efficiency Ratio
Current: 55.46% · Tier avg: 67.73%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.26% · Tier avg: 22.39%
87
87th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.08%
90
90th pctile
Net Interest Margin
Current: 4.99% · Tier avg: 3.85%