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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Brentwood, TN · FDIC certificate #21342
SONATA BANK is an FDIC-insured institution based in Brentwood, TN (FDIC certificate #21342). In its Q3 2026 Call Report it reported total assets of $292M, total deposits of $227M and net loans of $250M. Its primary federal regulator is FDIC.
Plain-language readout
SONATA BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $292M in Q3 2026 and were lowest at $282M in Q2 2026.
Total deposits were highest at $255M in Q1 2026 and lowest at $227M in Q3 2026.
Over the whole period total assets rose 3.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $292M | $227M | $250M | 0.21% | 2.34% | 3.91% |
| Q2 2026 | $282M | $248M | $244M | 0.20% | 2.31% | 3.86% |
| Q1 2026 | $283M | $255M | $235M | 0.18% | 2.06% | 3.85% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $27.0M | $37.8M | -$10.7M | -28.4% |
| Federal funds sold | $15K | $11K | +$4K | +36.4% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $1.9M | $2.0M | -$109K | -5.4% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $244.2M | $234.5M | +$9.7M | +4.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.1M | $4.1M | -$41K | -1.0% |
| Other real estate owned | $44K | $44K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $4.3M | $4.3M | -$18K | -0.4% |
| Total assets | $281.5M | $282.7M | -$1.2M | -0.4% |
| Liabilities | ||||
| Total deposits | $247.6M | $254.6M | -$7.0M | -2.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $5.0M | $0K | +$5.0M | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.2M | $3.1M | +$140K | +4.6% |
| Total liabilities | $255.8M | $257.7M | -$1.9M | -0.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $200K | $200K | $0K | 0.0% |
| Surplus | $39.5M | $39.0M | +$527K | +1.4% |
| Retained earnings | -$13.9M | -$14.1M | +$162K | +1.1% |
| Accumulated other comprehensive income | $0K | -$2K | +$2K | +100.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $25.8M | $25.1M | +$691K | +2.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.3M | $927K | +$409K | +44.1% |
| Adjusted nonperforming assets | $1.3M | $927K | +$409K | +44.1% |
| Tangible equity plus allowance | $27.8M | $27.0M | +$841K | +3.1% |
| Texas ratio (gross) | 4.80% | 3.43% | +1.37 pts | See points |
| Texas ratio (adjusted) | 4.80% | 3.43% | +1.37 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.80% | 3.46% | +1.34 pts | See points |
| Tier 1 capital to risk-weighted assets | 11.58% | 11.61% | -0.03 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 11.58% | 11.61% | -0.03 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.99% | 0.95% | +0.04 pts | See points |
| Total risk-based capital to risk-weighted assets | 12.57% | 12.56% | +0.01 pts | See points |
| Tier 1 leverage (approximate) | 10.12% | 9.82% | +0.29 pts | See points |
| Construction and land loans to total capital | 86.25% | 95.92% | -9.67 pts | See points |
| Commercial real estate to total capital | 276.10% | 287.36% | -11.27 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | 0.01% | 0.00% | +0.01 pts | See points |
| Liquidity | ||||
| Core deposits | $158.2M | $203.5M | -$45.3M | -22.3% |
| Non-core funding | $94.3M | $51.1M | +$43.3M | +84.7% |
| Loans to core deposits | 155.66% | 116.17% | +39.49 pts | See points |
| Loans to deposits | 99.48% | 92.87% | +6.62 pts | See points |
| Brokered deposits share of deposits | 31.67% | 15.49% | +16.17 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 65.84% | 68.48% | -2.64 pts | See points |
| Volatile liabilities | $116.1M | $64.2M | +$51.9M | +80.9% |
| Earnings | ||||
| Earnings before provision, year to date | $599K | $281K | +$318K | +113.2% |
| Earnings before provision, single quarter | $318K | $281K | +$37K | +13.2% |
| Provision for credit losses, year to date | $300K | $150K | +$150K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.09% | 7.13% | -0.04 pts | See points |
| Yield on interest-bearing balances due from banks | 4.53% | 3.98% | +0.55 pts | See points |
| Total interest income to average assets | 6.81% | 6.77% | +0.04 pts | See points |
| Cost of interest-bearing transaction accounts | 2.99% | 2.61% | +0.38 pts | See points |
| Cost of savings and money market deposits | 3.28% | 3.26% | +0.02 pts | See points |
| Cost of time deposits | 3.94% | 4.15% | -0.21 pts | See points |
| Total interest expense to average assets | 2.70% | 2.70% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $292M | $227M | $250M | 0.21% | 2.34% | 3.91% |
| 2026-06-30 | $282M | $248M | $244M | 0.20% | 2.31% | 3.86% |
| 2026-03-31 | $283M | $255M | $235M | 0.18% | 2.06% | 3.85% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $186M | 0.08% | 120 | Continuing · +0.02 pp |
| KY | $21.5M | 0.02% | 150 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.