Total Assets
$317M
Total balance-sheet footings
FDIC Cert #22578 · Salt Lake City, Utah · Est. 1978
Brighton Bank - FDIC Bank Health Profile
A community-scale look at Brighton Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $317M
- Total assets
- A
- Health grade · Excellent
- 1.87%
- Return on assets
- 11.1%
- Tier 1 capital
Data updated July 2026
The verdict
Brighton Bank earns a PlainBankData health grade of A (81/100), with well-capitalized at 11.11% Tier 1, profitable at 1.87% ROA, efficient (55% cost ratio).
- #2,413
- largest of 4,313 FDIC banks by assets
- 44th
- percentile by asset size, nationally
- 11.11%
- Tier 1 ratio - above the 10% well-capitalized line
- 88th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Brighton Bank's 81/100 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 (11.11%) 28/40
Return on Assets (ROA) (1.87%) 25/25
Texas Ratio (13.41%) 16/20
Efficiency Ratio (55.46%) 12/15
81 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$275M
Customer-funded liabilities
Net Loans
$213M
Outstanding loan book
Net Income
$6M
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 81/100 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 $317M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.11% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.11%
Texas Ratio
13.41%
Equity Capital
$32M
Profitability metrics
Return on Assets (ROA)
88th percentile nationally
1.87%
Return on Equity (ROE)
19.66%
Efficiency Ratio
55.46%
What the numbers say about Brighton Bank
Brighton Bank is an FDIC-insured institution (Certificate #22578) headquartered in Salt Lake City, Utah, established in 1978. It holds $317M in total assets - 2,413th of 4,313 FDIC-insured banks, $275M in customer deposits, and $213M in net loans. Its capital position: a Tier 1 ratio of 11.11%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 13.41% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (81 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Brighton Bank sits 37th of 42 banks headquartered in Utah by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$19M
Interest Income
$1M
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 13.41% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
13.41% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Utah by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Brighton Bank (FDIC Cert #22578) - 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 Utah
All Utah banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Morgan Stanley Bank, National AssociationSalt Lake City | $253.3B | A | 1.86% |
| American Express National BankSandy | $211.3B | A | 3.89% |
| Ally BankSandy | $184.6B | A | 0.91% |
| UBS Bank USASalt Lake City | $119.3B | A | 1.13% |
| Synchrony BankDraper | $112.1B | A | 2.89% |
| Zions Bancorporation, N.A.Salt Lake City | $89.0B | B | 1.01% |
| SoFi Bank, National AssociationCottonwood Heights | $46.6B | A | 1.96% |
| Sallie Mae BankSalt Lake City | $29.7B | A | 2.90% |
Frequently asked questions
What is Brighton Bank's health grade?▼
Brighton Bank receives a health grade of A (81/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Brighton Bank?▼
Brighton Bank holds $317M in total assets and $275M in deposits, ranking 2,413th of 4,313 FDIC-insured banks by asset size. It is headquartered in Salt Lake City, Utah.
Is my money safe at Brighton Bank?▼
Yes, deposits at Brighton Bank (Certificate #22578) 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 11.11%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Brighton Bank?▼
Brighton Bank has a Texas Ratio of 13.41%. Staying under 50% is the level analysts treat as 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 55.46%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. 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 Utah banks before moving funds. Utah 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.