Sonata Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Total risk-based capital rose 3.1% from Q1 2026 to Q2 2026, ending at $28.0M against $27.1M. It was the largest change among the key lines on this page. Within Tennessee, Sonata Bank is 58th of 71 on CET1 ratio, 11.58% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Sonata Bank sits 3.50 points lower, at 11.58% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.58% |
| Tier 1 risk-based capital ratio | 11.58% |
| Total risk-based capital ratio | 12.57% |
| Tier 1 leverage ratio | 10.12% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $25.8M |
| Tier 1 capital | $25.8M |
| Total risk-based capital | $28.0M |
| Total equity capital | $25.8M |
| Risk-weighted assets | $222.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.16% |
| Tangible equity to tangible assets | 9.16% |
| Equity capital to average assets | 10.12% |
| Internal capital growth rate | 2.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $39.5M |
| Retained earnings | -$13.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 25.55% | — |
| Q4 2023 | 18.73% | 18.73% | 19.88% | 15.53% | $84.0M |
| Q1 2024 | 14.35% | 14.35% | 15.56% | 11.26% | $101.3M |
| Q2 2024 | 12.70% | 12.70% | 13.89% | 10.17% | $128.2M |
| Q3 2024 | 12.10% | 12.10% | 13.35% | 9.52% | $145.1M |
| Q4 2024 | 12.16% | 12.16% | 13.24% | 9.58% | $159.8M |
| Q1 2025 | 11.66% | 11.66% | 12.75% | 9.54% | $173.9M |
| Q2 2025 | 11.73% | 11.73% | 12.77% | 9.52% | $180.6M |
| Q3 2025 | 10.96% | 10.96% | 11.95% | 9.52% | $201.3M |
| Q4 2025 | 10.99% | 10.99% | 11.89% | 9.51% | $213.9M |
| Q1 2026 | 11.61% | 11.61% | 12.56% | 9.82% | $216.1M |
| Q2 2026 | 11.58% | 11.58% | 12.57% | 10.12% | $222.6M |
Sonata Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sonata Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Sonata Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21342) · FFIEC NIC profile (RSSD 62044)