Sonata Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 56.97 percentage points lower than in Q1 2026, at 159.67%. Sonata Bank has the 8th lowest return on assets of the 109 banks headquartered in Tennessee, at 0.25% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Sonata Bank reported 0.25% on return on assets in Q2 2026, 1.00 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.58% |
| Tier 1 risk-based capital ratio | 11.58% |
| Total risk-based capital ratio | 12.57% |
| Tier 1 leverage ratio | 10.12% |
| Equity capital to assets | 9.16% |
| Tangible equity to tangible assets | 9.16% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.52% |
| Non-performing assets ratio | 0.47% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.80% |
| Allowance for credit losses to loans | 0.84% |
| Reserve coverage of non-performing loans | 159.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.25% |
| Return on equity | 2.53% |
| Net interest margin | 4.25% |
| Efficiency ratio | 88.29% |
| Yield on earning assets | 7.03% |
| Cost of funds | 3.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.48% |
| Core deposits to total deposits | 75.97% |
| Brokered deposits to total deposits | 31.67% |
| Deposits to assets | 87.93% |
| Securities to assets | 0.68% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 25.55% | -10.77% |
| Q4 2023 | 18.73% | 18.73% | 19.88% | 15.53% | -5.40% |
| Q1 2024 | 14.35% | 14.35% | 15.56% | 11.26% | -3.75% |
| Q2 2024 | 12.70% | 12.70% | 13.89% | 10.17% | -3.26% |
| Q3 2024 | 12.10% | 12.10% | 13.35% | 9.52% | -2.56% |
| Q4 2024 | 12.16% | 12.16% | 13.24% | 9.58% | -1.39% |
| Q1 2025 | 11.66% | 11.66% | 12.75% | 9.54% | -1.51% |
| Q2 2025 | 11.73% | 11.73% | 12.77% | 9.52% | -2.14% |
| Q3 2025 | 10.96% | 10.96% | 11.95% | 9.52% | 0.05% |
| Q4 2025 | 10.99% | 10.99% | 11.89% | 9.51% | 0.46% |
| Q1 2026 | 11.61% | 11.61% | 12.56% | 9.82% | 0.20% |
| Q2 2026 | 11.58% | 11.58% | 12.57% | 10.12% | 0.25% |
Sonata Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sonata Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)