Sonata Bank

Brentwood, TN · Cert 21342 · Sonata Financial Holdings Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$281.5MAssets

$246.3MLoans

$247.6MDeposits

$25.8MEquity

Loan mix

Deposit mix

NIM

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.2% share · #41 of 62 inst. · $0.2B of $107.8B

1.6% Williamson

6.5% Webster

Earnings: ROA of 0.20%, up 198 bps year over year; NIM at 4.09%.
Asset quality: problem loans at 0.52% of loans (-83 bps YoY), with net charge-offs at 0.00%.

Return on Assets (YTD, annualized)

0.20%+198 bps YoY

Net Interest Margin (YTD, annualized)

4.09%+93 bps YoY

Efficiency Ratio (YTD, annualized)

88.89%-5,597 bps YoY

Tier 1 Leverage Ratio

10.12%+60 bps YoY

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	-1.78%	-1.13%	-0.69%	0.18%	0.20%	+198 bps
Return on Equity	-19.69%	-12.64%	-7.91%	2.06%	2.31%	+2,199 bps
Net Interest Margin	3.16%	3.40%	3.45%	4.07%	4.09%	+93 bps
Efficiency Ratio	144.86%	124.19%	112.89%	89.50%	88.89%	-5,597 bps
Non-Interest Burden	4.62%	4.25%	3.91%	3.63%	3.62%	-100 bps
Growth
Asset Growth (YoY)	30.28%	27.87%	28.95%	27.51%	21.09%	-919 bps
Loan Growth (YoY)	28.57%	22.88%	25.43%	22.21%	19.99%	-858 bps
Deposit Growth (YoY)	41.04%	28.68%	30.24%	27.87%	19.32%	-2,172 bps
Asset Quality
Nonperforming Loans / Loans	1.36%	0.39%	0.35%	0.37%	0.52%	-83 bps
Net Charge-Offs / Loans	0.22%	0.14%	0.15%	0.00%	0.00%	-22 bps
Allowance / Loans	0.88%	0.84%	0.76%	0.81%	0.84%	-5 bps
Allowance Coverage of NPLs	0.7x	2.2x	2.2x	2.2x	1.6x	+0.9x
Capital
Tier 1 Leverage Ratio	9.52%	9.52%	9.51%	9.82%	10.12%	+60 bps
Total Risk-Based Capital	12.77%	11.95%	11.89%	12.56%	12.57%	-19 bps
Equity / Assets	9.10%	8.59%	8.35%	8.87%	9.16%	+6 bps
Liquidity & Funding
Loans / Deposits	98.93%	94.44%	91.06%	92.87%	99.48%	+55 bps
Liquid Assets / Assets	6.68%	9.98%	13.32%	11.84%	8.73%	+206 bps
CRE / Total Capital	n/a	446%	409%	383%	n/a	n/a