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 | |