Sonata Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 16.17 percentage points higher than in Q1 2026, at 31.67%. Within Tennessee, Sonata Bank is 14th of 109 on loan-to-deposit ratio, 99.48% as of Q2 2026. Sonata Bank reported 99.48% on loan-to-deposit ratio for Q2 2026, 18.93 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $29.0M |
| Fed funds sold and reverse repos | $15K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.78% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.48% |
| Net loans and leases to deposits | 98.65% |
| Loans and leases to core deposits | 104.09% |
| Core deposits to total deposits | 75.97% |
| Brokered deposits to total deposits | 31.67% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 105.75% | 79.81% | $2.0M | $3.0M |
| Q4 2023 | 97.75% | 94.82% | $0 | $0 |
| Q1 2024 | 102.53% | 90.01% | $0 | $2.0M |
| Q2 2024 | 108.53% | 65.06% | $0 | $12.0M |
| Q3 2024 | 98.89% | 69.06% | $0 | $0 |
| Q4 2024 | 94.55% | 69.41% | $0 | $0 |
| Q1 2025 | 97.17% | 70.77% | $0 | $0 |
| Q2 2025 | 98.93% | 73.57% | $613K | $0 |
| Q3 2025 | 94.44% | 75.09% | $0 | $0 |
| Q4 2025 | 91.06% | 76.75% | $0 | $0 |
| Q1 2026 | 92.87% | 79.94% | $0 | $0 |
| Q2 2026 | 99.48% | 75.97% | $0 | $5.0M |
Sonata Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sonata Bank, freeSource: Call Report Schedules RC and RC-M, 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)