🏦Bank Scorer

BRIGHTON BANK

BRIGHTON, TN · Supervised by FDIC

Est. 1910FDIC #9,189RSSD: FDIC-9189
Part ofBRIGHTON BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.64%

Institution Profile

FDIC BankFind

Address

7663 Highway 51 S, BRIGHTON, TN

County

Tipton County

Established

October 10, 1910

Total Assets

$55M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2026

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2031(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$55M

Total Deposits

$49M

Net Loans

$29M

Net Income

$-226K

ROA

-1.64%

ROE

-16.77%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate4.58%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$51M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202493864.39%4.58%
202387767.84%6.16%
202247279.66%5.08%
202182679.9%2.66%
202048785.83%2.46%
201915879.75%5.06%
201865375.19%3.06%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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