Brentwood, TN · Cert 21342 · Sonata Financial Holdings Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=570 to 617). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
30
Asset Quality
74
Profitability
33
Liquidity
13
Efficiency
13
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Brentwood, TN · Cert 21342 · Sonata Financial Holdings Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.2% share · #41 of 62 inst. · $0.2B of $107.8B
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 | -3.07% | -2.56% | -1.46% | -1.78% | -1.13% | -0.69% | 0.18% | 0.20% | +198 bps | |
| Return on Equity | -30.85% | -26.43% | -16.19% | -19.69% | -12.64% | -7.91% | 2.06% | 2.31% | +2,199 bps | |
| Net Interest Margin | 2.74% | 2.64% | 3.29% | 3.16% | 3.40% | 3.45% | 4.07% | 4.09% | +93 bps | |
| Efficiency Ratio | 167.07% | 155.95% | 134.20% | 144.86% | 124.19% | 112.89% | 89.50% | 88.89% | -5,597 bps | |
| Non-Interest Burden | 4.72% | 4.22% | 4.45% | 4.62% | 4.25% | 3.91% | 3.63% | 3.62% | -100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 121.75% | 84.91% | 52.64% | 30.28% | 27.87% | 28.95% | 27.51% | 21.09% | -919 bps | |
| Loan Growth (YoY) | 148.65% | 90.25% | 49.76% | 28.57% | 22.88% | 25.43% | 22.21% | 19.99% | -858 bps | |
| Deposit Growth (YoY) | 165.88% | 96.69% | 58.02% | 41.04% | 28.68% | 30.24% | 27.87% | 19.32% | -2,172 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.34% | 0.35% | 1.36% | 0.39% | 0.35% | 0.37% | 0.52% | -83 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.25% | 0.04% | 0.22% | 0.14% | 0.15% | 0.00% | 0.00% | -22 bps | |
| Allowance / Loans | 1.00% | 0.86% | 0.95% | 0.88% | 0.84% | 0.76% | 0.81% | 0.84% | -5 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.6x | 2.7x | 0.7x | 2.2x | 2.2x | 2.2x | 1.6x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.52% | 9.58% | 9.54% | 9.52% | 9.52% | 9.51% | 9.82% | 10.12% | +60 bps | |
| Total Risk-Based Capital | 13.35% | 13.24% | 12.75% | 12.77% | 11.95% | 11.89% | 12.56% | 12.57% | -19 bps | |
| Equity / Assets | 8.72% | 8.88% | 9.13% | 9.10% | 8.59% | 8.35% | 8.87% | 9.16% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.89% | 94.55% | 97.17% | 98.93% | 94.44% | 91.06% | 92.87% | 99.48% | +55 bps | |
| Liquid Assets / Assets | 4.01% | 7.34% | 3.61% | 6.68% | 9.98% | 13.32% | 11.84% | 8.73% | +206 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 446% | 409% | 383% | n/a | n/a | |
Brentwood, TN · Cert 21342 · Peer group: banks under $1B in assets (n=570-617) · Sonata Financial Holdings Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
0.20%
Rank 550 of 617
Net Interest Margin
4.09%
Rank 144 of 617
Efficiency Ratio
88.89%
Rank 535 of 617
Equity / Assets
9.16%
Rank 449 of 617
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.20% | 0.60% | 1.01% | 1.45% | Beats 11% | 550 / 617 | ||
| Return on Equity | 2.22% | 5.30% | 9.43% | 13.30% | Beats 12% | 540 / 617 | ||
| Net Interest Margin | 4.09% | 3.04% | 3.54% | 4.05% | Beats 77% | 144 / 617 | ||
| Efficiency Ratio | 88.89% | 58.03% | 67.76% | 79.08% | Beats 13% | 535 / 617 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.52% | 0.09% | 0.47% | 1.27% | Beats 47% | 301 / 570 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 160 / 570 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.58% | 11.18% | 13.83% | 18.55% | Beats 29% | 436 / 617 | ||
| Total Risk-Based Capital Ratio | 12.57% | 11.56% | 14.39% | 19.39% | Beats 35% | 403 / 617 | ||
| Equity / Assets | 9.16% | 9.03% | 10.55% | 13.63% | Beats 27% | 449 / 617 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 99.48% | 64.77% | 79.70% | 93.06% | 86th pctl | 83 / 582 | ||
| Loans / Assets | 87.48% | 51.70% | 67.18% | 77.51% | 96th pctl | 27 / 617 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||