FDIC Cert #9189 · Brighton, Tennessee · Est. 1910

Brighton Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$55M
Total assets
C
Health grade · Fair
-0.36%
Return on assets
25.1%
Tier 1 capital

Data updated July 2026

The verdict

Brighton Bank earns a PlainBankData health grade of C (60/100), with well-capitalized at 25.09% Tier 1, -0.36% ROA, 102% efficiency ratio.

#4,089
largest of 4,313 FDIC banks by assets
5th
percentile by asset size, nationally
25.09%
Tier 1 ratio - above the 10% well-capitalized line
3rd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 9189 · TN C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3836/4307
  • PHOTO-FINISH The Bank of LaFayett… · GA
  • TIER1-WELL 25.1% Tier 1
  • TEXAS-CLEAN 0.4% Texas
  • ROA-LOSS -0.36% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Tennessee: The Bank of LaFayette, Georgia, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Brighton Bank

Lowest and highest poles plus nearest scored peers outside Tennessee, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Battle Bank, Nationa… · MN ·…60/100Brighton Bank · TN · this ba…60/100Community Bank Mankato · MN …60/100Community State Bank · IN · …60/100The Bank of LaFayett… · GA ·…60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Brighton Bank · July 2026

What Brighton Bank's Call Report plate shows

Brighton Bank (FDIC Cert #9189) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,836 of 4,307. Tier 1 capital prints at 25.09%, clearing the 10% well-capitalized line. The Texas Ratio is 0.38%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.36%. Balance-sheet scale is $55M, 4,089th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Bank of LaFayette, Georgia (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Brighton Bank

7 FAILURE resolutions in Tennessee since 2000 (6 since 2008)

Brighton Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Brighton Bank remains an active FDIC-insured reporter.

  • TRUST COMPANY BANK MEMPHIS, TN 2016 → THE BANK OF FAYETTE COUNTY
  • COMMUNITY SOUTH BANK PARSONS, TN 2013 → CB&S BANK, INC.
  • MOUNTAIN NATIONAL BANK SEVIERVILLE, TN 2013 → FIRST TENNESSEE BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Tennessee banks.

How Brighton Bank's 60/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10060/100
Brighton Bank's composite health score
Tier 1 Capital Ratio (25.09%) 40/40
Return on Assets (ROA) (-0.36%) 0/25
Texas Ratio (0.38%) 20/20
Efficiency Ratio (102.27%) 0/15

60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$55M

Total balance-sheet footings

Total Deposits

$50M

Customer-funded liabilities

Net Loans

$32M

Outstanding loan book

Net Income

$-204K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 23.69% 25.09% 26.49%
Basel III capital ratios - Brighton Bank

Where Brighton Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Brighton Bank's score of 60/100 falls in the highlighted band.

Brighton Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 11th percentile higher than 11% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Brighton Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Brighton Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Brighton Bank's $55M falls in the highlighted band.

Safety ratios for Brighton Bank

Tier 1 capital ratio
Well-capitalized 10%

25.09% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
25.09%
Texas Ratio
0.38%
Equity Capital
$6M

What these ratios mean →

Profitability metrics: Brighton Bank

Return on Assets (ROA)
3rd percentile nationally
-0.36%
Return on Equity (ROE)
-3.65%
Efficiency Ratio
102.27%

What these mean →

Income & expense: loss period at Brighton Bank

$3M
Interest Income
$7M
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Brighton Bank reports a Texas Ratio of 0.38% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.38% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Brighton Bank

Brighton Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-204K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Brighton Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Brighton Bank on FDIC BankFind →

Top banks in Tennessee by total assets

Largest banks headquartered in Tennessee
  1. 1
    First Horizon Bank $83.6B

    Memphis, TN · Grade B

  2. 2
    Pinnacle Bank $57.6B

    Nashville, TN · Grade A

  3. 3
    FirstBank $16.3B

    Nashville, TN · Grade B

  4. 4
    Wilson Bank and Trust $5.9B

    Lebanon, TN · Grade A

  5. 5
    SmartBank $5.9B

    Pigeon Forge, TN · Grade B

Top 5 banks in Tennessee ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($55M here), outside Tennessee so the neighborhood is not state containment.

The First National Bank in Cooper $55M · TX Community First Bank $55M · OH The Pioneer Savings Bank $56M · OH Compass Savings Bank $56M · PA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Brighton Bank (FDIC Cert #9189) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Brighton Bank Call Report profile · FDIC Failed Bank List · Tennessee FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Tennessee

All Tennessee banks →
BankAssetsGradeROA
First Horizon BankMemphis $83.6B B 1.35%
Pinnacle BankNashville $57.6B A 1.25%
FirstBankNashville $16.3B B 0.89%
Wilson Bank and TrustLebanon $5.9B A 1.38%
SmartBankPigeon Forge $5.9B B 1.00%
SouthEast BankFarragut $3.5B C 0.68%
Home Federal Bank of TennesseeKnoxville $2.7B C 0.21%
Builtwell BankChattanooga $2.3B A 2.07%