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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
60%RE $141.9M33%C&I $77.9M7%Consumer $16.4MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $210.8M15%Noninterest $36.8MQ2 2025Q2 2026

NIM

7.01%Q2 ’246.31%Q2 ’256.81%Q2 ’26+1%+29%

Non-interest income vs. expense

5.72%Q2 ’245.11%Q2 ’253.76%Q2 ’26-11%-28%

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

Executive Summary

  • Earnings: ROA of 0.23%, up 233 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.52% of loans (-83 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.12%, up 60 bps from a year ago.
  • Funding: loans stand at 99.48% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.23%+233 bps YoY

Net Interest Margin (quarter, annualized)

4.11%+93 bps YoY

Efficiency Ratio (quarter, annualized)

88.29%-6,707 bps YoY

Tier 1 Leverage Ratio

10.12%+60 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.10%0.05%0.42%0.18%0.23%+233 bps
Return on Equity-23.04%0.56%4.95%2.06%2.53%+2,557 bps
Net Interest Margin3.18%4.13%4.26%4.07%4.11%+93 bps
Efficiency Ratio155.36%93.91%87.34%89.50%88.29%-6,707 bps
Non-Interest Burden5.00%3.87%3.70%3.63%3.61%-139 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 / Loans1.36%0.39%0.35%0.37%0.52%-83 bps
Net Charge-Offs / Loans0.40%0.00%0.22%0.00%0.00%-40 bps
Allowance / Loans0.88%0.84%0.76%0.81%0.84%-5 bps
Allowance Coverage of NPLs0.7x2.2x2.2x2.2x1.6x+0.9x
Capital
Tier 1 Leverage Ratio9.52%9.52%9.51%9.82%10.12%+60 bps
Total Risk-Based Capital12.77%11.95%11.89%12.56%12.57%-19 bps
Equity / Assets9.10%8.59%8.35%8.87%9.16%+6 bps
Liquidity & Funding
Loans / Deposits98.93%94.44%91.06%92.87%99.48%+55 bps
Liquid Assets / Assets6.68%9.98%13.32%11.84%8.73%+206 bps
CRE / Total Capitaln/a446%409%383%n/an/a