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 | |