SONATA BANK

BRENTWOOD, TN | Small | Est. Jan. 1, 1890, midnight | FDIC #21342 | RSSD #62044 | FDIC
Latest Report: 2025-12-31

SONATA BANK is asn small FDIC-insured commercial bank headquartered in BRENTWOOD, TN, established in Jan. 1, 1890, midnight. As of 2025-12-31, the bank reported total assets of $282M and total deposits of $255M. Profitability stands at 0.42% ROA and 4.95% ROE, with a net interest margin of 4.25%. The bank's CET1 capital ratio is 11.00%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.35% and a Texas Ratio of 3.34%. FDIC Certificate #21342.

Assets

$282M

Deposits

$255M

Loans

$232M

Equity

$24M

Profitability

Return on Assets (ROA) 0.42%
Return on Equity (ROE) 4.95%
Net Interest Margin (NIM) 4.25%
Yield on Assets 6.95%
Cost of Funds 2.75%

Asset Quality

NPL Ratio 0.35%
Net Charge-Off Ratio 0.15%
Texas Ratio 3.34%
NPA Ratio 0.30%
ACL / Loans 0.76%

Capital & Liquidity

CET1 Ratio 11.00%
Tier 1 Capital 11.00%
Total Capital Ratio 11.89%
Leverage Ratio 9.51%
Loan-to-Deposit 91.06%

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