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Sonata Bank
Brentwood, TN · FDIC Certificate #21342 · Chartered 01/0
Total assets
$281.53M
Total deposits
$247.56M
Total equity
$25.78M
Net loans
$244.21M
Branches (offices)
2
Net income (YTD)
$286.00K
Rank: #2,561 of 4,213 U.S. banks by assets · #76 of 109 in Tennessee. Assets changed 21.1% and deposits 19.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.20% |
| Return on equity | 2.31% |
| Net interest margin (YTD) | 3.86% |
| Equity to assets | 9.16% |
| Tier 1 leverage ratio | 10.12% |
| Uninsured deposits (share of deposits) | 31.4% |
| Noncurrent loans (share of loans) | 0.52% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 98.6% |
| Real estate loans (share of loans) | 58.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $143.17M | 58.6% | |
| Commercial & industrial | $85.56M | 35.0% | |
| Consumer / individual | $17.30M | 7.1% | |
| Construction & development | $24.14M | 9.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $42.56M | $34.76M | -$102.00K | $7.34M |
| Jun 2023 | $55.56M | $37.62M | -$3.05M | $17.05M |
| Jun 2024 | $178.47M | $147.10M | -$2.52M | $16.22M |
| Jun 2025 | $232.50M | $207.47M | -$1.99M | $21.15M |
| Jun 2026 | $281.53M | $247.56M | $286.00K | $25.78M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $227.30M | 1 |
| Kentucky | $20.26M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $247.56M.
Similar-sized banks
The Pennsville National Bank ($281.77M) · Fairfield Federal Savings And Loan Association Of Lancaster ($281.46M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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