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Brighton Bank

IDRSSD: 406974
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
63
/ 100
StableAs of 2025-Q4QoQ -23

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #406974 2025-Q4 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Watch
Reserves:Risk

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.79% of loans.
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.0% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↓ -23 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -47
  • Reserves
    ↓ -70

The five pillars

Liquidity

StrongQoQ -2
94
Sub-score

Liquidity is strong: brokered 3.6%, loans/deposits 77.6%, cash 12.6% of assets.

Cash / Assets
12.60%
Loans / Deposits
77.57%
Brokered %
3.64%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 11.11%.

Tier 1 RBC
—
CET1
0.00%
Leverage
11.11%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -47
52
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.16%, Texas Ratio 11.9%, NCO YTD 2.79%.

Adjusted NPL
2.16%
Govt-guarantees stripped
Texas Ratio
11.9%
NCO YTD
2.79%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
2.07%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.16% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.07%.
  • riskNet charge-offs elevated — NCO YTD 2.79% of loans.

Reserves

RiskQoQ -70
26
Sub-score

Reserves are weak: ALLL 1.15% of loans, coverage 54.1%, true coverage 37.0%.

ALLL / Loans
1.15%
Coverage
54.1%
True Loss Coverage
37.0%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.0% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 01:17:40 UTC