Sonata Bank
Brentwood, TN · Cert 21342 · Peer group: banks under $1B in assets (n=581-629) · Sonata Financial Holdings Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$281.5MAssets
$246.3MLoans
$247.6MDeposits
$25.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: return on assets trails 90% of banks under $1B in assets (rank 564 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.20%
Rank 564 of 629
Net Interest Margin
4.09%
Rank 147 of 629
Efficiency Ratio
88.89%
Rank 548 of 629
Equity / Assets
9.16%
Rank 465 of 629
Non-interest income vs. expense
Unfavorable gap of $9.2M · efficiency ratio beats 13% of banks under $1B in assets | 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 10% | 564 / 629 | | |
| Return on Equity | 2.22% | 5.38% | 9.30% | 13.28% | Beats 13% | 550 / 629 | | |
| Net Interest Margin | 4.09% | 3.03% | 3.54% | 4.05% | Beats 77% | 147 / 629 | | |
| Efficiency Ratio | 88.89% | 58.35% | 67.79% | 79.08% | Beats 13% | 548 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.09% | 0.46% | 1.20% | Beats 47% | 311 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.58% | 11.24% | 13.84% | 18.77% | Beats 29% | 446 / 629 | | |
| Total Risk-Based Capital Ratio | 12.57% | 11.58% | 14.43% | 19.66% | Beats 34% | 415 / 629 | | |
| Equity / Assets | 9.16% | 9.09% | 10.65% | 13.80% | Beats 26% | 465 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 99.48% | 67.24% | 80.90% | 93.48% | 85th pctl | 88 / 594 | | |
| Loans / Assets | 87.48% | 53.31% | 67.71% | 78.15% | 96th pctl | 28 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |