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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.84% | 1.27% | 0.97% | 1.29% | 1.63% | -21 bps | |
| Return on Equity | 19.47% | 13.65% | 10.00% | 12.64% | 15.89% | -359 bps | |
| Net Interest Margin | 4.71% | 4.62% | 4.58% | 4.50% | 4.63% | -7 bps | |
| Efficiency Ratio | 54.56% | 58.43% | 52.16% | 65.54% | 58.75% | +419 bps | |
| Non-Interest Burden | 2.40% | 2.57% | 2.22% | 2.83% | 2.55% | +14 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 / Loans | 1.99% | 0.35% | 2.13% | 0.00% | 0.49% | -150 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 2.81% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.19% | 1.40% | 1.15% | 1.16% | 1.16% | -4 bps | |
| Allowance Coverage of NPLs | 0.6x | 4.0x | 0.5x | n/a | 2.4x | +1.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.26% | 10.82% | 11.11% | 11.85% | 11.67% | +41 bps | |
| Total Risk-Based Capital | 11.26% | 10.82% | 11.11% | 11.85% | 11.67% | +41 bps | |
| Equity / Assets | 9.20% | 9.35% | 10.03% | 10.41% | 10.12% | +93 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.71% | 75.19% | 78.48% | 78.20% | 77.13% | -258 bps | |
| Liquid Assets / Assets | 10.79% | 14.00% | 11.99% | 12.45% | 13.34% | +255 bps | |
| CRE / Total Capital | n/a | 462% | 451% | 439% | n/a | n/a | |