Sonata Bank
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Data as of · sourced from FFIEC call reports. How we update
Sonata Bank is an FDIC-insured commercial bank headquartered in Brentwood, TN, established in 1890 (FDIC certificate 21342), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $281.5M, up 21.1% from Q2 2025, the 76th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 11.58% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21342
- Headquarters
- Brentwood, TN
- Established
- 1890
- Total assets, Q2 2026
- $281.5M
- Assets vs Q2 2025
- +21.1%
- CET1 ratio, Q2 2026
- 11.58%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 064109633
- Holding company
- SONATA FINANCIAL HOLDINGS, INC.
- Asset rank in state
- 76th of 109 in Tennessee
Sonata Bank spends more to run itself than most banks of its size. Based in Brentwood, Tennessee, it had $282 million in assets at June 30, 2026, up 21.1% from a year earlier. It earns about $0.25 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 88 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.52% of loans from 1.36%. Its $86 million commercial and industrial book is improving, with 1.19% past due or on nonaccrual, down from 4.16% a year earlier. Funding is the softer spot: it pays an average of 3.01% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, Sonata Bank reported a CET1 capital ratio of 11.58%, a return on assets of 0.25%, a nonperforming-loan ratio of 0.52% and a Texas ratio of 4.80%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Sonata Bank is the 76th largest of the 109 banks headquartered in Tennessee. From Q1 2026 to Q2 2026, its total assets fell 0.4% to $281.5M, loans rose 4.2% and deposits fell 2.8%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 34.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 19.4%. The FDIC Summary of Deposits lists 2 offices for it, in Brentwood, TN and Sebree, KY; its Brentwood office books 92% of its branch deposits. Judged on its Q2 2026 call report, Sonata Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 5005 Maryland Way, Brentwood, TN 37027
- County
- Williamson
- Metro Area
- Nashville-Davidson-Murfreesboro-Franklin, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1890
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $247.6M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $254.8M
- Average total loans
- $240.7M
- Average interest-bearing deposits
- $188.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 27, 1973
- FDIC Cert
- 21342
- Fed RSSD
- 62044
- SEC CIK
- 784974 → filed by SONATA FINANCIAL HOLDINGS, INC.
- Website
- www.sonatabank.com/ →
- Parent Holding Company
- SONATA FINANCIAL HOLDINGS, INC. (RSSD 1134229)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Sonata Bank's total assets ran between $90.6M (Q3 2023) and $282.7M (Q1 2026), and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$281.5M total assets against $232.5M; $255.8M total liabilities against $211.4M.
$244.2M net loans and leases against $203.4M; $247.6M total deposits against $207.5M.
$1.9M securities against $3.0M; $27.0M cash and balances due against $19.0M.
$4.3M total interest income against $3.5M; $1.7M total interest expense against $1.7M.
$2.6M net interest income against $1.8M.
$98K total noninterest income against $60K; $2.4M total noninterest expense against $2.8M.
$150K provision for credit losses against $179K.
$161K net income against -$1.2M.
0.25% return on assets against -2.14%; 4.25% net interest margin against 3.32%.
11.58% CET1 capital ratio against 11.73%; 10.12% tier 1 leverage ratio against 9.52%.
Inside the full Sonata Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Sonata Bank rankings
Its closest position to the top of a national ranking is 1,397 of 3,640, for Texas Ratio; its furthest is 3,448 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -2.56% (Q3 2024) to 0.46% (Q4 2025) and its net interest margin ran from 3.17% (Q4 2024) to 4.41% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.58% | 0.25% | 0.52% | 4.80% | 4.25% |
| Q1 2026 | 11.61% | 0.20% | 0.37% | 3.43% | 4.21% |
| Q4 2025 | 10.99% | 0.46% | 0.35% | 3.34% | 4.41% |
| Q3 2025 | 10.96% | 0.05% | 0.39% | 3.71% | 4.31% |
| Q2 2025 | 11.73% | -2.14% | 1.36% | 12.13% | 3.32% |
| Q1 2025 | 11.66% | -1.51% | 0.35% | 3.07% | 3.41% |
| Q4 2024 | 12.16% | -1.39% | 0.34% | 2.96% | 3.17% |
| Q3 2024 | 12.10% | -2.56% | 0.47% | 4.34% | 3.41% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sonata Bank (main office) | Brentwood , TN | 37027 | $227.3M |
| Sebree Branch | Sebree , KY | 42455 | $20.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 102 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $2.5M approved, $848K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Sonata Bank
What are Sonata Bank's total assets?
As of the Q2 2026 filing, Sonata Bank reported total assets of $281.5 million in its FFIEC call report.
Where is Sonata Bank headquartered?
It is headquartered in Brentwood, TN, United States.
When was Sonata Bank founded?
It was established in 1890, per the FDIC institution directory.
Is Sonata Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21342). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sonata Bank?
Sonata Bank's primary federal regulator is the FDIC.
What is Sonata Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.58% in its Q2 2026 call report, above regulatory requirements.
How many branches does Sonata Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sonata Bank's Texas Ratio?
Its Texas Ratio is 4.80% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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