BlastPoint's Banking Scorecard
Sonata Bank
Brentwood, TN
2 branches across KY · TN
Sonata Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.51% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 17.9% in tier
- - NIB Deposit Bleed: Bottom 60.6% in tier
- - Return on Assets 1.09% below tier average
- - Efficiency Ratio 24.21% above tier average
- - Non-Interest Income / Assets 0.25% below tier average
- - Net Interest Margin 0.08% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$282.7M
+27.5% YoY
+0.4% QoQ
|
-$103.3M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
43% |
| Total Loans ? |
$234.5M
+22.4% YoY
+1.8% QoQ
|
-$21.2M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
57% |
| Total Deposits ? |
$254.6M
+27.9% YoY
-0.1% QoQ
|
-$73.4M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
45% |
| Return on Assets ? |
0.18%
+112.2% YoY
+125.5% QoQ
|
-1.09% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
Bottom 6.1% in tier |
| Net Interest Margin ? |
3.85%
+12.1% YoY
+3.1% QoQ
|
-0.08% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
49% |
| Efficiency Ratio ? |
89.50%
-33.3% YoY
-20.7% QoQ
|
+24.21% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 6.9% in tier |
| Delinquency Rate ? |
0.38%
+6.6% YoY
+8.2% QoQ
|
-0.51% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
92.12%
-4.3% YoY
+1.9% QoQ
|
+15.48% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
15.15%
-16.0% YoY
-32.1% QoQ
|
-6.87% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.33%
+7.4% YoY
+9.2% QoQ
|
-0.31% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
48% |
| Tier 1 Capital Ratio ? |
11.61%
-0.4% YoY
+5.6% QoQ
|
-4.22% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.03%
+14.7% YoY
-70.8% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 7.1% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.