Sonata Bank
Brentwood, TN · Cert 21342 · Peer group: banks under $1B in assets (n=573-620) · 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 162 of 573).
- Widest gap: return on assets trails 89% of banks under $1B in assets (rank 554 of 620).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.20%
Rank 554 of 620
Net Interest Margin
4.09%
Rank 138 of 620
Efficiency Ratio
88.89%
Rank 540 of 620
Equity / Assets
9.16%
Rank 452 of 620
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% | 1.00% | 1.45% | Beats 11% | 554 / 620 | | |
| Return on Equity | 2.22% | 5.30% | 9.30% | 13.29% | Beats 12% | 543 / 620 | | |
| Net Interest Margin | 4.09% | 3.02% | 3.53% | 4.04% | Beats 78% | 138 / 620 | | |
| Efficiency Ratio | 88.89% | 58.35% | 68.08% | 79.37% | Beats 13% | 540 / 620 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.09% | 0.47% | 1.27% | Beats 47% | 302 / 573 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 162 / 573 | | |
| Capital |
| Tier 1 Capital Ratio | 11.58% | 11.27% | 13.87% | 18.78% | Beats 29% | 442 / 620 | | |
| Total Risk-Based Capital Ratio | 12.57% | 11.69% | 14.57% | 19.67% | Beats 34% | 409 / 620 | | |
| Equity / Assets | 9.16% | 9.03% | 10.60% | 13.73% | Beats 27% | 452 / 620 | | |
| Liquidity & Funding |
| Loans / Deposits | 99.48% | 65.08% | 79.69% | 92.47% | 86th pctl | 84 / 585 | | |
| Loans / Assets | 87.48% | 51.85% | 67.17% | 77.86% | 96th pctl | 27 / 620 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |