BlastPoint's Banking Scorecard
Brighton Bank
Micro
Specialty: Other
TN
FDIC cert 9189
Designations: ✓ Community bank
Brighton, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Brighton Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 16.24% above tier
- + Non-Interest Income / Assets 12.34% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.44% below tier
- - Efficiency Ratio 34.55% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$55.4M
-10.3% YoY
-1.7% QoQ
|
-$162.1M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$31.7M
-14.1% YoY
+5.2% QoQ
|
-$107.5M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$49.5M
-3.2% YoY
-1.2% QoQ
|
-$134.1M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
-0.36%
-138.8% YoY
-133.8% QoQ
|
-1.44% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
3.33%
-10.2% YoY
+4.1% QoQ
|
-0.53% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
102.27%
+7.8% YoY
+1.4% QoQ
|
+34.55% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.07%
-4.4% YoY
-12.5% QoQ
|
-0.57% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
64.00%
-11.3% YoY
+6.5% QoQ
|
-10.52% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
19.25%
-0.2% YoY
+10.8% QoQ
|
-3.15% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.04%
-8.5% YoY
-6.4% QoQ
|
-0.41% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
25.09%
+8.5% YoY
-9.7% QoQ
|
+16.24% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
12.90%
-11.2% YoY
+21.8% QoQ
|
+12.34% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (2)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
25.09%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
12.90%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.36%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
102.27%
(Tier avg: 67.73%, National avg: 65.09%)
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
100
100th pctile
Non-Interest Income / Assets
Current: 12.90% · Tier avg: 0.56%
93
93th pctile
Tier 1 Capital Ratio
Current: 25.09% · Tier avg: 8.85%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
71
71th pctile
Loan-to-Deposit Ratio
Current: 64.00% · Tier avg: 74.53%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.25% · Tier avg: 22.39%
26
26th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.85%
11
11th pctile
Total Loans
Current: $31.7M · Tier avg: $139.2M
10
10th pctile
Total Deposits
Current: $49.5M · Tier avg: $183.7M
9
9th pctile
Total Assets
Current: $55.4M · Tier avg: $217.5M
4
4th pctile
Efficiency Ratio
Current: 102.27% · Tier avg: 67.73%
4
4th pctile
Return on Assets
Current: -0.36% · Tier avg: 1.08%
Top Weaknesses
4
4th pctile
Return on Assets
Current: -0.36% · Tier avg: 1.08%
4
4th pctile
Efficiency Ratio
Current: 102.27% · Tier avg: 67.73%
9
9th pctile
Total Assets
Current: $55.4M · Tier avg: $217.5M
10
10th pctile
Total Deposits
Current: $49.5M · Tier avg: $183.7M
11
11th pctile
Total Loans
Current: $31.7M · Tier avg: $139.2M
26
26th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.85%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.25% · Tier avg: 22.39%
71
71th pctile
Loan-to-Deposit Ratio
Current: 64.00% · Tier avg: 74.53%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
93
93th pctile
Tier 1 Capital Ratio
Current: 25.09% · Tier avg: 8.85%
100
100th pctile
Non-Interest Income / Assets
Current: 12.90% · Tier avg: 0.56%