# BRIGHTON BANK
BRIGHTON, TN · FDIC certificate 9189 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $51.0M | |
| Deposits | $45.5M | |
| Loans and leases | $30.8M | |
| Total equity | $5.2M | |
| Loans / deposits | 66.62% (p39 of band) | 73.59% |
| Liquid assets / assets | 38.11% (p60 of band) | |
| Uninsured deposits / deposits | 10.93% (p17 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.79% (p21 of band) | 11.76% |
| Unrealized securities loss / equity | -1.44% (p73 of band) | -6.57% |
| AOCI / equity | -0.40% (p49 of band) | |
| ROA (annualized) | -1.08% (p3 of band) | 1.17% |
| Net interest margin | 3.50% (p29 of band) | 3.93% |
| Efficiency ratio | 109.92% (p96 of band) | |
| Noncurrent loans | 0.07% (p32 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 2266.67% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 0.85% (p20 of band) | |
| Auto loans | $221,000 (0.72% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -10.6% | |
| Employees | 53 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, losing money, charge-offs p90, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 5 | reserve under noncurrent |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, charge-offs p90, reserve under noncurrent |
| 2012-06 | 6 | losing money |  |
| 2012-09 | 4 |  | construction >100% equity, losing money |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 | charge-offs p90, reserve under noncurrent | deposits shrinking, uninsured deposits leaving |
| 2013-06 | 6 | losing money, deposits shrinking |  |
| 2013-09 | 6 |  |  |
| 2013-12 | 7 | expense ratio p90 |  |
| 2014-03 | 6 | construction >100% equity, uninsured deposits leaving | charge-offs p90, losing money, expense ratio p90 |
| 2014-06 | 7 | charge-offs p90 |  |
| 2014-09 | 7 | noncurrent p90 | construction >100% equity |
| 2014-12 | 5 | losing money | deposits shrinking, uninsured deposits leaving, noncurrent p90 |
| 2015-03 | 6 | capital falling, expense ratio p90 | assets shrinking |
| 2015-06 | 4 |  | charge-offs p90, capital falling |
| 2015-09 | 4 |  |  |
| 2015-12 | 8 | leverage <5%, capital falling, noncurrent p90 |  |
| 2016-03 | 8 | deposits shrinking, assets shrinking | losing money, capital falling |
| 2016-06 | 6 | charge-offs p90 | expense ratio p90, deposits shrinking, assets shrinking |
| 2016-09 | 4 |  | leverage <5% |
| 2016-12 | 4 | construction >100% equity | noncurrent p90 |
| 2017-03 | 3 |  | charge-offs p90 |
| 2017-06 | 4 | noncurrent p90 |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 | charge-offs p90 | noncurrent p90 |
| 2018-03 | 6 | losing money, expense ratio p90, uninsured deposits leaving | charge-offs p90 |
| 2018-06 | 7 | capital falling |  |
| 2018-09 | 8 | noncurrent p90, deposits shrinking, assets shrinking | losing money, capital falling |
| 2018-12 | 8 | losing money | construction >100% equity |
| 2019-03 | 8 |  |  |
| 2019-06 | 7 |  | uninsured deposits leaving |
| 2019-09 | 7 |  |  |
| 2019-12 | 5 |  | assets shrinking, losing money |
| 2020-03 | 7 | capital falling, losing money |  |
| 2020-06 | 5 |  | deposits shrinking, capital falling |
| 2020-09 | 2 |  | leverage <7%, expense ratio p90, losing money |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | capital falling, uninsured deposits leaving |  |
| 2021-06 | 3 | charge-offs p90 | noncurrent p90, uninsured deposits leaving |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 3 | noncurrent p90 |  |
| 2022-03 | 5 | leverage <7%, losing money, expense ratio p90 | charge-offs p90 |
| 2022-06 | 5 |  |  |
| 2022-09 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent, noncurrent p90, leverage <7% |
| 2022-12 | 5 |  |  |
| 2023-03 | 3 |  | losing money, uninsured deposits leaving |
| 2023-06 | 2 | wholesale funding >15% | expense ratio p90, assets shrinking |
| 2023-09 | 1 |  | wholesale funding >15% |
| 2023-12 | 1 | wholesale funding >15% | deposits shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | wholesale funding >15% |
| 2024-12 | 0 |  |  |
| 2025-03 | 3 | capital falling, losing money, expense ratio p90 |  |
| 2025-06 | 1 |  | capital falling, losing money |
| 2025-09 | 2 | losing money |  |
| 2025-12 | 4 | capital falling, assets shrinking |  |
| 2026-03 | 3 |  | assets shrinking |
| 2026-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |

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

- 2020-03-30 [Local group buys community bank in Tennessee, will open branch in Winston-Salem - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxONFVhSEQxN21WV1VXNjlObndZNlVTUkE3U19mTmRURUdvVllDaF9VR0pFd0ZkbzJEMm9Hai1QMlhNR1ZYcV9ibExVVUlxekdGbm92NFRqV2wwR3dFOG9IM1JiV0pucGxJaVJtTF9IaE5ESmZ0Q0o4cmhiQjkzUXZIcnlobnhRVzJpZlRkcE1CbEt3THFiVHNHempCdmZSMG1Za2U1WkM1bw?oc=5) · The Business Journals
- 2024-11-25 [20 community banks with the highest returns on average assets as of 2024 - American Banker](https://news.google.com/rss/articles/CBMirAFBVV95cUxPamZFUzY4eHI5NVNlMkxwb2ZDR2xJX1JLb2JYLTZlekFPYXNiWVFEVVlZa0poV1k5UU9STDBmQ25hTXFaNDJKVDdtNFlhNGUyU3NrYUtJdGJKZkhiOTB3NC14aEc5ejQya1Z2Nm96cHBfeDc0em9TRHZGTjVVcDFKNno0Z2N0UkpnSTVoNG5mY2ZwdXVvOE1qRlFNbTRyTkdOTmU4azhVajU4NzN6?oc=5) · American Banker
- 2019-02-10 [Bobby Roberts Obituary Feb 10, 2019 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMid0FVX3lxTE9LV1VCcHoyemx4bzFFY0d4NlpnTDhOMlNSR0w0R2t2QkdFa0d2ZXB3NXEtNnk5dnZtSllsVnRzTk1iR2twajV6bnYxR3FWZUxyc3ZTbUEzWWNRRi1kTVppV2FYSjdfVVF4M2s5dmxkUXQtU1lYbE5v?oc=5) · Shackelford Funeral Directors
- 2022-06-01 [Police release surveillance video of failed ATM theft - MLive.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxNZEtZby1QNWwxTGROaHg3QVpiakdfSlFJVU4xRWlGanU5RzhGdk5FUUY3eG5DbFJnNElYcUxBVUJEQ1o4aDhEVVZEOE12YTEwZlA5VHJyM19nXzg0UU9ZUUFlNlNSNHgtOFE0bFV6eFVKWjlaZDhCQUdWSi1mRFhyNEYxbU83UXZFeE44RUtISlFFa3FaRFJ5ZGlUZEg0SS1KNDBPek9n0gG6AUFVX3lxTFBKZV9XR0hlY3lVLUhPZVRDVjV4MXdHQlJzWlg3Z3dhckdlb3I5VGc2ODlhSUJUcGx1ekM3b2I1TUF2cGJUREZ5MTQ3SGR0aWtEbmVndEdMSF9WVktyekMzRU16SmRXaWh6eHl3a3V2MklSVVdKYldqSERJSjNjc3R5TDNxQmRNREY4X3hsMXdnRXBRN3h4RFJlVnZ6YURRRzRBdGN6ekVkRGozZnZMOFZqSTBPRGpFZDJyZw?oc=5) · MLive.com
- 2025-02-28 [West Brighton building’s evolution since the 1930s |Then and Now - SILive.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxQWlBtajdCS3U0QnVOeGNYYnB1blNWOTQxT25QVWxqcmNtMmx3Zzlqb3BsN1hTY0JzWGR4aHVhNlByNU9wbENQY05IcUNFQXpGQ3d4ZlVMbFMxa0VVRXctZTd2d1dZdndpUlFNa0FxMWFSQ01TME1fSzdEYUk3OWhVR3FINlVPcng1eDlMVVpWWVdaSHdmelZNS0t6U0dkdU5vMEVnbFY0cXdzNDRa0gHAAUFVX3lxTE9jclRGbWRxSXktWnYxaE5uNVBBTjNBS0hBTkZUNlZlVGI4d1llOTdtTWMyaDhGZGZxWjluR2NVbzY3RE1saXZWZzJUbWs1cW11ZE9HM190bFJDQU1xWXBIVXM4NzFXLU5CbXkxWHIxMjB4T1BlNVI0eVZxbERDc2k5X3hGWG9ISnpHNWhzQjVPNDNFdlpDakJ2OVBlY3lvTGNiT2RybldqaWd6MEFXT3BkZk5wZUg4S1dYcXcySGFVbQ?oc=5) · SILive.com
- 2024-11-15 [20 community banks with highest return on average equity - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxOdFhidDlxaHMwdXFPTnZ2YS1JNk5YVUkyLVNDRlctMEprb0FEYnphSnQ2ZzhlWHU4M2k4Sm5HUmZDMWZia2Q0MzhmT2oxZjZEVG5xeVBsY0VWUG5HR3RxSHlQalo0dHB3WnoxWU9sYzdCQWRTaUVJMktHV2hUZHFSQm1XTkhCX3FIRWdnMGo2azEtaEMxbmln?oc=5) · American Banker
- 2025-11-07 [Out-of-state bank eyes West Tennessee for growth with merger - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPSnlpTDE2cndOMFF5Q2NFd1JWeVYzUVBPTXdndC1zMThldFBBSnBvc0RwSWdxN0JUTUd1aHM3NDZvNGdoN0dzWkJQU1pmcHpYZnNvMmZQYi16a3hKSDhyTjBYOXRRTzlTQS1vbnlTR2hQSEpkVW4zTEtnQUwwS2lpTE5xT2J6Z1NmVmlQR3NHaDU1WWJXQWd3M2F5T2hqZ1lGOThUb3ZB?oc=5) · The Business Journals
- 2005-02-03 [Man bails two strangers out of jail - Action News 5](https://news.google.com/rss/articles/CBMihAFBVV95cUxNel9ZVVhDbEcwYnQzdks1TDJjYzBTdk83YlFSREJGRm9jTWJPLVpKUlJ0S2dVc3djdXVMYkhfdXFId2xYVE9jeVpFN0lZSWh2eVJBZXBRZ09IUE9wampldlc0VTFLMzFBOE1UVG00R2Z0c25TdTFLenNRbkJudFZvNUFISnnSAZcBQVVfeXFMT2E1ODk3clhucEJXR2lnQlJXZFJKcEN1cXpyTGJlN1FsRVRCeXdnZzhpSzdRZ0pLcFRJU3RHMnBZOURKbXR4cFpGRnpLUm5WWFF5eU1ZWXBoN2d1MkY3OTNndElyOU5wZFBUZlpITzRMc0Y5bldjZTdWZ2RfY01YMHRKZ2hFQzA0bzJ6M1BGQTlqUFAxUW1uaw?oc=5) · Action News 5

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9189 (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/37.json (key "9189", 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