Bank Comparison
Sonata Bank vs Bank of Dickson
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 15
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Sonata Bank | Bank of Dickson |
|---|---|---|
| CET1 Ratio | 11.61% | — |
| Tier 1 Capital Ratio | 11.61% | — |
| Total Capital Ratio | 12.56% | — |
| Tier 1 Leverage Ratio | 9.82% | 11.65% |
| Equity / Assets | 8.87% | 9.91% |
Profitability
| Metric | Sonata Bank | Bank of Dickson |
|---|---|---|
| Return on Assets (ROA) | 0.20% | 0.78% |
| Return on Equity (ROE) | 2.06% | 7.98% |
| Net Interest Margin (NIM) | 4.21% | 3.39% |
| Yield on Earning Assets | 7.01% | 4.51% |
| Cost of Funds | 2.71% | 1.24% |
Asset quality
| Metric | Sonata Bank | Bank of Dickson |
|---|---|---|
| Texas Ratio | 4.63% | 1.37% |
| Non-Performing Loan Ratio | 0.51% | 0.24% |
| Non-Performing Asset Ratio | 0.44% | 0.14% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.81% | 1.05% |
Balance sheet
| Metric | Sonata Bank | Bank of Dickson |
|---|---|---|
| Total Assets | $282,747K | $284,652K |
| Total Deposits | $254,602K | $255,104K |
| Total Loans | $236,441K | $172,542K |
| Total Equity | $25,089K | $28,208K |
| Net Income (quarter) | $125 | $561 |
Liquidity & funding
| Metric | Sonata Bank | Bank of Dickson |
|---|---|---|
| Loan-to-Deposit Ratio | 92.87% | 67.64% |
| Core Deposit Ratio | 95.43% | 91.80% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Sonata Bank | Bank of Dickson |
|---|---|---|
| Headquarters City | BRENTWOOD | DICKSON |
| Headquarters State | TN | TN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 39 | 50 |
| Established | Jan. 1, 1890, midnight | May 26, 1954, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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