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Brighton Bank

Salt Lake City, UT · Cert 22578 · Brighton Bcorp

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

32

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

81

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

57

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Brighton Bank

Salt Lake City, UT · Cert 22578 · Brighton Bcorp

State charter, non-member · FDIC · 5 branches

Q2 2026

$321.6MAssets
$215.0MLoans
$278.8MDeposits
$32.6MEquity
Loan mix
93%RE $199.5M7%C&I $15.1M0%Consumer $0.7MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $185.5M33%Noninterest $93.2MQ2 2025Q2 2026

NIM

5.78%Q2 ’245.90%Q2 ’255.94%Q2 ’26-2%-1%

Non-interest income vs. expense

3.00%Q2 ’242.82%Q2 ’253.06%Q2 ’260%+14%

Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 0.0% share · #36 of 57 inst. · $0.3B of $1175.7B

Executive Summary

  • Earnings: ROA of 1.46%, down 36 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 0.49% of loans (-150 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.67%, up 41 bps from a year ago.
  • Funding: loans stand at 77.13% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.46%-36 bps YoY

Net Interest Margin (YTD, annualized)

4.55%-4 bps YoY

Efficiency Ratio (YTD, annualized)

62.06%+648 bps YoY

Tier 1 Leverage Ratio

11.67%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.82%1.63%1.48%1.29%1.46%-36 bps
Return on Equity19.39%17.36%15.51%12.64%14.33%-506 bps
Net Interest Margin4.59%4.48%4.59%4.50%4.55%-4 bps
Efficiency Ratio55.58%56.54%55.46%65.54%62.06%+648 bps
Non-Interest Burden2.34%2.35%2.36%2.83%2.68%+34 bps
Growth
Asset Growth (YoY)11.16%8.29%2.98%1.38%-0.52%-1,168 bps
Loan Growth (YoY)15.82%12.10%0.96%-3.71%-3.83%-1,965 bps
Deposit Growth (YoY)11.90%9.71%2.96%1.77%-0.62%-1,252 bps
Asset Quality
Nonperforming Loans / Loans1.99%0.35%2.13%0.00%0.49%-150 bps
Net Charge-Offs / Loans0.00%0.00%0.70%0.00%0.00%0 bps
Allowance / Loans1.19%1.40%1.15%1.16%1.16%-4 bps
Allowance Coverage of NPLs0.6x4.0x0.5xn/a2.4x+1.8x
Capital
Tier 1 Leverage Ratio11.26%10.82%11.11%11.85%11.67%+41 bps
Total Risk-Based Capital11.26%10.82%11.11%11.85%11.67%+41 bps
Equity / Assets9.20%9.35%10.03%10.41%10.12%+93 bps
Liquidity & Funding
Loans / Deposits79.71%75.19%78.48%78.20%77.13%-258 bps
Liquid Assets / Assets10.79%14.00%11.99%12.45%13.34%+255 bps
CRE / Total Capitaln/a462%451%439%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Brighton Bank

Salt Lake City, UT · Cert 22578 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Brighton Bcorp

State charter, non-member · FDIC · 5 branches

Q2 2026

$321.6MAssets
$215.0MLoans
$278.8MDeposits
$32.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: total risk-based capital ratio trails 76% of banks under $1B in assets operating in a single state (rank 565 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.45%

Rank 188 of 746

Net Interest Margin

4.55%

Rank 83 of 746

Efficiency Ratio

62.06%

Rank 321 of 746

Equity / Assets

10.12%

Rank 408 of 746

Non-interest income vs. expense

$1.2M$9.7MINCOMEEXPENSE
Unfavorable gap of $8.5M · efficiency ratio beats 57% of banks under $1B in assets operating in a single state
Bank 62.06%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.45%0.72%1.06%1.45%Beats 75%188 / 746
Return on Equity14.28%6.74%10.51%13.63%Beats 79%155 / 746
Net Interest Margin4.55%3.17%3.68%4.16%Beats 89%83 / 746
Efficiency Ratio62.06%55.74%64.58%75.47%Beats 57%321 / 746
Asset Quality
Nonperforming Loans / Loans0.49%0.09%0.42%1.07%Beats 47%396 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio11.67%11.55%13.75%17.60%Beats 26%552 / 746
Total Risk-Based Capital Ratio11.67%11.71%14.33%18.43%Beats 24%565 / 746
Equity / Assets10.12%8.90%10.51%13.06%Beats 45%408 / 746
Liquidity & Funding
Loans / Deposits77.13%61.31%78.27%90.78%48th pctl390 / 746
Loans / Assets66.86%53.60%66.97%76.08%49th pctl377 / 746
Brokered Deposits / Depositsn/aNot reported for this institution