Total Assets
$55M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$50M
Customer-funded liabilities
Net Loans
$32M
Outstanding loan book
Net Income
$-204K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
3rd percentile nationally
-0.36%
Return on Equity (ROE)
-3.65%
Efficiency Ratio
102.27%
What the numbers say about Brighton Bank
Brighton Bank is an FDIC-insured institution (Certificate #9189) headquartered in Brighton, Tennessee, established in 1910. It holds $55M in total assets - 4,089th of 4,313 FDIC-insured banks, $50M in customer deposits, and $32M in net loans. Looking at capital strength, Tier 1 stands at 25.09%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.38%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (60/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Brighton Bank ranks 111th of 111 banks based in Tennessee -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$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.
Top banks in Tennessee by total assets
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.
Other banks in Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Brighton Bank's health grade?▼
Brighton Bank receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Brighton Bank?▼
Brighton Bank holds $55M in total assets and $50M in deposits, ranking 4,089th of 4,313 FDIC-insured banks by asset size. It is headquartered in Brighton, Tennessee.
Is my money safe at Brighton Bank?▼
Yes, deposits at Brighton Bank (Certificate #9189) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Brighton Bank's Tier 1 Capital Ratio?▼
Brighton Bank has a Tier 1 Capital Ratio of 25.09%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Brighton Bank?▼
Brighton Bank has a Texas Ratio of 0.38%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Brighton Bank?▼
Brighton Bank has an Efficiency Ratio of 102.27%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Brighton Bank's profile as a depositor or analyst.
- Brighton Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Brighton Bank against other Tennessee banks before moving funds. Tennessee banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.