Salt Lake City, UT · Cert 22578 · Brighton Bcorp
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
32
Asset Quality
74
Profitability
81
Liquidity
97
Efficiency
57
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.
Salt Lake City, UT · Cert 22578 · Brighton Bcorp
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 0.0% share · #36 of 57 inst. · $0.3B of $1175.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.76% | 1.79% | 1.81% | 1.82% | 1.63% | 1.48% | 1.29% | 1.46% | -36 bps | |
| Return on Equity | 18.20% | 18.70% | 19.07% | 19.39% | 17.36% | 15.51% | 12.64% | 14.33% | -506 bps | |
| Net Interest Margin | 4.60% | 4.50% | 4.75% | 4.59% | 4.48% | 4.59% | 4.50% | 4.55% | -4 bps | |
| Efficiency Ratio | 56.47% | 56.10% | 56.60% | 55.58% | 56.54% | 55.46% | 65.54% | 62.06% | +648 bps | |
| Non-Interest Burden | 2.36% | 2.31% | 2.41% | 2.34% | 2.35% | 2.36% | 2.83% | 2.68% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.90% | 4.93% | 5.44% | 11.16% | 8.29% | 2.98% | 1.38% | -0.52% | -1,168 bps | |
| Loan Growth (YoY) | -4.13% | 5.76% | 12.97% | 15.82% | 12.10% | 0.96% | -3.71% | -3.83% | -1,965 bps | |
| Deposit Growth (YoY) | 4.02% | 5.76% | 5.61% | 11.90% | 9.71% | 2.96% | 1.77% | -0.62% | -1,252 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.83% | 1.68% | 1.62% | 1.99% | 0.35% | 2.13% | 0.00% | 0.49% | -150 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.70% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.36% | 1.25% | 1.20% | 1.19% | 1.40% | 1.15% | 1.16% | 1.16% | -4 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.7x | 0.6x | 4.0x | 0.5x | n/a | 2.4x | +1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.78% | 11.36% | 12.12% | 11.26% | 10.82% | 11.11% | 11.85% | 11.67% | +41 bps | |
| Total Risk-Based Capital | 11.78% | 11.36% | 12.12% | 11.26% | 10.82% | 11.11% | 11.85% | 11.67% | +41 bps | |
| Equity / Assets | 9.58% | 9.29% | 9.70% | 9.20% | 9.35% | 10.03% | 10.41% | 10.12% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.58% | 80.04% | 82.65% | 79.71% | 75.19% | 78.48% | 78.20% | 77.13% | -258 bps | |
| Liquid Assets / Assets | 14.36% | 8.89% | 7.67% | 10.79% | 14.00% | 11.99% | 12.45% | 13.34% | +255 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 462% | 451% | 439% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.45% | 0.72% | 1.06% | 1.45% | Beats 75% | 188 / 746 | ||
| Return on Equity | 14.28% | 6.74% | 10.51% | 13.63% | Beats 79% | 155 / 746 | ||
| Net Interest Margin | 4.55% | 3.17% | 3.68% | 4.16% | Beats 89% | 83 / 746 | ||
| Efficiency Ratio | 62.06% | 55.74% | 64.58% | 75.47% | Beats 57% | 321 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.49% | 0.09% | 0.42% | 1.07% | Beats 47% | 396 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.67% | 11.55% | 13.75% | 17.60% | Beats 26% | 552 / 746 | ||
| Total Risk-Based Capital Ratio | 11.67% | 11.71% | 14.33% | 18.43% | Beats 24% | 565 / 746 | ||
| Equity / Assets | 10.12% | 8.90% | 10.51% | 13.06% | Beats 45% | 408 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.13% | 61.31% | 78.27% | 90.78% | 48th pctl | 390 / 746 | ||
| Loans / Assets | 66.86% | 53.60% | 66.97% | 76.08% | 49th pctl | 377 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||