# BRIGHTON BANK
SALT LAKE CITY, UT · FDIC certificate 22578 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $321.6M | |
| Deposits | $278.8M | |
| Loans and leases | $215.0M | |
| Total equity | $32.6M | |
| Loans / deposits | 76.24% (p38 of band) | 82.04% |
| Liquid assets / assets | 28.92% (p61 of band) | |
| Uninsured deposits / deposits | 37.73% (p84 of band) | 25.97% |
| Brokered deposits | 3.11% | |
| Wholesale funding | 5.44% (p60 of band) | |
| FHLB advances / assets | 2.33% | |
| Tier 1 leverage | 11.67% (p65 of band) | 10.81% |
| Unrealized securities loss / equity | -14.07% (p34 of band) | -8.10% |
| AOCI / equity | -0.23% (p57 of band) | |
| ROA (annualized) | 1.86% (p83 of band) | 1.28% |
| Net interest margin | 4.82% (p90 of band) | 3.91% |
| Efficiency ratio | 62.06% (p52 of band) | |
| Noncurrent loans | 0.49% (p54 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 237.57% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 137.11% (p95 of band) | |
| Auto loans | $586,000 (0.27% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.6% | |
| Employees | 48 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | charge-offs p90 |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 0 |  | capital falling, charge-offs p90 |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | construction >100% equity | capital falling |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 5 | deposits shrinking, assets shrinking |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 3 | securities losses >30% of equity |  |
| 2023-12 | 1 |  | construction >100% equity, securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | deposits shrinking |
| 2024-09 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2024-12 | 3 | construction >100% equity | noncurrent p90 |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 3 | noncurrent p90 |  |
| 2025-09 | 2 | capital falling | reserve under noncurrent, noncurrent p90 |
| 2025-12 | 4 | noncurrent p90, charge-offs p90, reserve under noncurrent | capital falling |
| 2026-03 | 1 |  | noncurrent p90, charge-offs p90, reserve under noncurrent |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-06-29 [Police search for South Salt Lake bank robbery suspect - ABC4 Utah](https://news.google.com/rss/articles/CBMikAFBVV95cUxNZDNlRnVtU3A1QlhJYkhoRGo5ajlTNVV1UlFKZllHeXhtRk9nV2FaNjJKSlE5UnVOcUNFRnRNeThsT3VGY1hQVFlRd3h0R2R3ajcyY3hvODVNTlZvYnc0VktBN2VYZUNEekd0QkRCUFQ4QXhLRExHQUthOVduMlN0WndIb0laSnljakZ6V00xXzPSAZYBQVVfeXFMTjFtMnNlSlNGMXpyNWl4X3BVa2JwZjZaSmdsLU9WcUhtRnZlQktJeWpUTWxSSVJGcndBWDFWTXdfTkVZUlJiWFFWLURQZld1dWw4cEtvWkM4MnQ5VlhHOHZqUUdacjBaZHBDMld1M2lVaVBsNFNRckRoMDVDRGZLeGlQMS1KN0lNb1ZwZU9XNEpET251eENB?oc=5) · ABC4 Utah
- 2025-01-02 [South Salt Lake police seeking help identifying suspected ATM thieves - KUTV](https://news.google.com/rss/articles/CBMikAFBVV95cUxOZElDWkR6RnRSdVZyWS1xcWdScV93bk53RnBnSnNXbXNicnpCRkw4dDYxallpUzJ4OFBnZ3JLOExlWnVsSXI0YmY1b0swMVJSX0s5S0F3b0Q0NXp0N2lZTUZRbDQ5QzRxeDVaS0Q0WHhSRmpzYlAwcHk4ZjFVa2g1NXQ3WUxoVGw3cWpzcjBnSzQ?oc=5) · KUTV
- 2025-01-02 [Police looking for suspects after money stolen from South Salt Lake ATM break-in - FOX 13 News Utah](https://news.google.com/rss/articles/CBMi0AFBVV95cUxONGtPek5ueGVpejl6Z19sa3BnU19TNWlJSWtjV2s3b0NPdjVwT3Z5Nl9OLVk1eGdGOGFDbXRTOVdjSkRnZW1kQkZxWmk0aDZHV0NMbkZTTjcyQm9jYklnVWlvV0YyTjVpQzlwQzVINEVhNVp3dlhVa3NQM3I2c3dSZmZFYkt6NE5YMzdIcm9MNURyY2lWMzFKcFFMTmVIckE5WXpiU0R5QVlxb2FTR2pBWDlreXlJRmdUOHp3VUxiT25nVUdhWGtvOUtjR0l3blNI?oc=5) · FOX 13 News Utah
- 2023-11-09 [Utah bank robber used an Uber as getaway car after heist, prosecutors say - NBC Bay Area](https://news.google.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?oc=5) · NBC Bay Area
- 2008-02-05 [Suspected serial bank robber caught in Las Vegas - KSL.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQUjU4aVU1MktRSHROYWhCb2dXcEZvN0liS1ctcVY1QnI4VW1WZ0p1WmJjU1JseUktVEpmYkNzc1IxaUlNMUFOOHE5LWxuYW9xM1JMeHhjODMwOXA5MS1qNllCeHpna3JmZjdud2d4V2pIVDhfWk9VMWZIUzVTRkQyNG5jbndHaTVURXVDTHRZNlFleVMwYkx4c2lB?oc=5) · KSL.com
- 2025-05-05 [Douglas William Ovard Obituary (2025) - Salt Lake City, UT - Larkin Sunset Gardens - Sandy - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQXzNqUGhpamhnaWdSNHFtVkZuUjVTN1dBZVpOYVA5QnhRXzlPNlFKa0w4QU1fOFBjMzdwSHBIWXFsRmFFWVFWb1N1Rmo3NXJ6eldZYUNWQ1cyQzVpYXdXUUoxV1diV0J0Q2xMQ0JWaWY0OVNRS1V0NnZQLWlsWEt3WGJB?oc=5) · legacy.com
- 2024-12-26 [Alan Kay Tibbitts Obituary (2024) - Bountiful, UT - Russon Brothers Mortuary - Bountiful - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQSkJtcy1PVVA5UldrYVJsS2QxT3JrSzVpWXF2ZjRiSTA1MGtEWmtLWk14bkdnVTE3Vk1kdFN2OXh4eTc1akRiNXBjVEVINGlJZkliamhmOWZlRDkxQXgxN2g1UjRmLXI3cjZYOHBIRHBPaU5haDFVREE2VzQzc2Z4dEdR?oc=5) · legacy.com
- 2023-03-22 [Mary Barker Obituary (1942 - 2023) - Salt Lake City, UT - The Salt Lake Tribune - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQRTNtZndONkY1SlJZYmhKRTRiWVFycHVteTdMdkFMVmZGd2ZQeEp0YUN4OTh1RnVqV0VUVmxnNXo2bjNxNWE5OTZSWjRyZnZRdDE4b1hzTnptZ2pONnNLb1lHTDhKZWxnSy1ZNkVvc1JSU2htanNkS2FYak9TSFQwUDhtRE1QZGo1TUxuYUxDQjZnaWxp?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22578 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/50.json (key "22578", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide