Sonata Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sonata Bank of Brentwood, TN against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.25% | 1.25% | -1.00% | 6th bottom |
| ROAE | 2.53% | 12.22% | -9.69% | 7th bottom |
| Net Interest Margin | 4.25% | 3.95% | +0.30% | 67th above |
| Efficiency Ratio | 88.29% | 63.71% | +24.58% | 6th bottom |
| PPNR / Avg Assets | 0.50% | — | — | 7th bottom |
| Yield on Earning Assets | 7.03% | 5.67% | +1.36% | 95th top |
| Cost of Funds | 3.01% | 1.87% | +1.14% | 5th bottom |
| Net Interest Spread | 3.85% | — | — | 77th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.52% | 0.88% | -0.36% | 45th below |
| NPA / Total Assets | 0.47% | — | — | 40th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.84% | — | — | 13th bottom |
| ACL / NPLs (Coverage) | 159.67% | — | — | 41st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.80% | 5.96% | -1.16% | 37th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.58% | 17.18% | -5.60% | 13th bottom |
| Tier 1 Ratio | 11.58% | 17.21% | -5.63% | 12th bottom |
| Total Capital Ratio | 12.57% | — | — | 12th bottom |
| Leverage Ratio | 10.12% | 11.75% | -1.63% | 34th below |
| Equity / Assets | 9.16% | 10.98% | -1.82% | 29th below |
| TCE / Tangible Assets | 9.16% | — | — | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.48% | 80.44% | +19.04% | 12th bottom |
| Core Deposit Ratio | 75.97% | 86.95% | -10.98% | 10th bottom |
| Wholesale Funding Ratio | 1.78% | — | — | 71st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 21.09% | — | — | 95th top |
| Loan Growth (Y/Y) | 19.99% | — | — | 92nd top |
| Deposit Growth (Y/Y) | 19.32% | — | — | 94th top |
See Sonata Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sonata Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Sonata Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Sonata Bank peer analysis.