Sonata Bank
Brentwood, TN·RSSD 62044·FDIC 21342·bank:62044·Risk-based ratios where reported
- #76 of 109Total assets in Tennessee
- 2offices
- 41employees
- #6 of 103Margin improvement in Tennessee
- Top 7%Deposit growth in the U.S.
- Top 8%Loan growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Sonata Bank
8 of 24 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Efficiency ratio falling faster than peersStrength: Efficiency 2nd quarter88.3%peers 63.2%+25.0 pp
Sonata Bank's efficiency ratio fell 67.1 percentage points over the past year to 88.3%. Among 1216 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 88.3% | 63.2% | +25.0 pp |
| 12-month change | ||
| -67.1 pp | -2.1 pp | -65.0 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Sonata Bank itself is left out of every peer median and percentile. How signals work
Deposit costs falling faster than peersStrength: Funding 2nd quarter2.69%peers 1.68%+101 bps
Sonata Bank's cost of all deposits fell 69 bps over the past year to 2.69%. Among 1212 similar banks, the median fell 12 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 2.69% | 1.68% | +101 bps |
| 12-month change | ||
| -69 bps | -12 bps | -57 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Sonata Bank itself is left out of every peer median and percentile. How signals work
Return on assets rising faster than peersStrength: Earnings 2nd quarter0.23%peers 1.26%-104 bps
Sonata Bank's annualized return on assets rose 233 bps over the past year to 0.23%. Among 1222 similar banks, the median rose 14 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 0.23% | 1.26% | -104 bps |
| 12-month change | ||
| +233 bps | +14 bps | +220 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Sonata Bank itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth 2nd quarter+21.1%peers +4.2%+16.9 pp
Sonata Bank's total assets grew 21.1% over the past year to $282 million. The median among 1222 similar banks was +4.2%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +21.1% | +4.2% | +16.9 pp |
| Total assets | ||
| $282 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Sonata Bank itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending 2nd quarter+20.0%peers +5.3%+14.7 pp
Sonata Bank's loans grew 20.0% over the past year to $246 million. The median among 1206 similar banks was +5.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +20.0% | +5.3% | +14.7 pp |
| Loans | ||
| $246 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Sonata Bank itself is left out of every peer median and percentile. How signals work
3 more observations
- Reliance on CDs falling while the peer median holds steadyFunding
- Noninterest-bearing deposit share falling faster than peersFunding
- Deposits growing faster than peersFunding
Key facts
- Sonata Bank is a bank headquartered in Brentwood, Tennessee. It reported $282 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $248 million, up 19.3% from a year earlier, and loans totaled $246 million, up 20.0%.
- Its net interest margin was 3.88% and its annualized return on assets was 0.23% for the quarter.
- Its cost of all deposits was 2.69%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Sonata Bank's own data, FORFI would look at: Where revenue per relationship falls short of the cost to serve it.
Analysis workspaces
Sources and identifiers
- Institution
- Sonata Bank · Bank
- Federal Reserve RSSD
- 62044
- FDIC certificate
- 21342
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Sonata Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $161K | — | |
| $4.34M | — | |
| $1.72M | — | |
| $2.62M | — | |
| $98K | — | |
| $2.4M | — | |
| $150K | — | |
| $150K | — | |
| 0.23% | 0.23%ROAQ · Quarter | |
| 3.88% | 3.87%NIMYQ · Quarter | |
| 88.29% | 88.29%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.