| Metric | Brighton Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +4.4% | -4.9 pts |
| Deposit growth (YoY) | -0.6% | +4.0% | -4.6 pts |
| Loan growth (YoY) | -3.8% | +5.6% | -9.4 pts |
| ROA | 1.86% | 1.24% | +0.6 pts |
| ROE | 18.3% | 11.9% | +6.4 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $321.6M | $278.8M | $212.6M | $32.6M | $3.0M | 1.86% | 4.82% | 0.33% |
| Q1 2026 | $317.1M | $274.1M | $211.9M | $33.0M | $1.3M | 1.64% | 4.74% | 0.00% |
| Q4 2025 | $317.1M | $274.6M | $213.0M | $31.8M | $6.0M | 1.87% | 4.99% | 1.45% |
| Q3 2025 | $334.5M | $292.5M | $216.9M | $31.3M | $5.0M | 2.07% | 4.99% | 0.23% |
| Q2 2025 | $323.3M | $280.5M | $220.9M | $29.7M | $3.6M | 2.32% | 4.98% | 1.38% |
| Q1 2025 | $312.8M | $269.4M | $220.0M | $30.3M | $1.8M | 2.30% | 4.93% | 1.15% |
| Q4 2024 | $307.9M | $266.7M | $210.8M | $28.6M | $6.8M | 2.27% | 4.95% | 1.16% |
| Q3 2024 | $308.9M | $266.6M | $193.5M | $29.6M | $5.0M | 2.23% | 4.88% | 1.16% |
Loan mix (Q2 2026): real estate $201.0M · commercial $14.3M · consumer $699K · securities $46.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Brighton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.86% | 1.24% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 18.3% | 11.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.82% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.1% | 62.9% | 48th |
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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