| Metric | Brighton Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.6% | +3.0% | -13.6 pts |
| Deposit growth (YoY) | -10.6% | +2.5% | -13.1 pts |
| Loan growth (YoY) | -13.2% | +2.6% | -15.8 pts |
| ROA | -1.08% | 0.99% | -2.1 pts |
| ROE | -10.9% | 8.1% | -19.0 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $51.0M | $45.5M | $30.3M | $5.2M | $-290K | -1.08% | 3.50% | 0.04% |
| Q1 2026 | $55.0M | $49.5M | $29.5M | $5.3M | $-226K | -1.64% | 3.26% | 0.04% |
| Q4 2025 | $55.4M | $49.5M | $31.7M | $5.5M | $-204K | -0.36% | 3.33% | 0.04% |
| Q3 2025 | $56.4M | $50.2M | $30.1M | $5.6M | $-66K | -0.15% | 3.19% | 0.04% |
| Q2 2025 | $57.1M | $50.9M | $35.0M | $5.7M | $13K | 0.04% | 3.12% | 0.05% |
| Q1 2025 | $56.2M | $50.1M | $32.1M | $5.5M | $-233K | -1.58% | 2.99% | 0.06% |
| Q4 2024 | $61.7M | $51.2M | $36.9M | $5.7M | $540K | 0.92% | 3.70% | 0.05% |
| Q3 2024 | $57.3M | $43.4M | $35.4M | $5.9M | $728K | 1.67% | 3.86% | 0.05% |
Loan mix (Q2 2026): real estate $28.1M · commercial $2.4M · consumer $327K · securities $5.5M
| Ratio | Brighton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.08% | 0.99% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -10.9% | 8.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.9% | 70.8% | 91th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Brighton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Brighton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Brighton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Brighton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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