BlastPoint's Banking Scorecard

Sonata Bank

$100M-$1B Specialty: Commercial TN FDIC cert 21342

Brentwood, TN

2 branches across KY · TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
Deposits +19.3% year over year ($247.6M on the books).
Delinquency rate 0.53%.
Return on assets 0.20%.
Efficiency ratio 88.89% vs a 64.48% peer average.
Loan-to-deposit ratio 98.65% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 72 in TN

View $100M-$1B leaderboard (TN) →

Sonata Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.39% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 19.1% in tier
- Return on Assets 1.12% below tier average
- Efficiency Ratio 24.41% above tier average
- Non-Interest Income / Assets 0.50% below tier average
- Net Interest Margin 0.13% below tier average

Get updates when Sonata Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$281.5M +21.1% YoY -0.4% QoQ	-$105.0M	$386.6M +1.2% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	42%
Total Loans ?	$244.2M +20.0% YoY +4.1% QoQ	-$14.1M	$258.3M +1.7% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	58%
Total Deposits ?	$247.6M +19.3% YoY -2.8% QoQ	-$79.2M	$326.7M +0.7% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	44%
Return on Assets ?	0.20% +111.4% YoY +14.5% QoQ	-1.12%	1.32% +10.8% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	Bottom 5.7% in tier
Net Interest Margin ?	3.86% +15.1% YoY +0.3% QoQ	-0.13%	3.99% +5.0% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	45%
Efficiency Ratio ?	88.89% -38.6% YoY -0.7% QoQ	+24.41%	64.48% -3.2% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	Bottom 6.4% in tier
Delinquency Rate ?	0.53% -61.4% YoY +40.5% QoQ	-0.39%	0.92% +15.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	45%
Loan-to-Deposit Ratio ?	98.65% +0.6% YoY +7.1% QoQ	+20.70%	77.95% +1.0% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	Bottom 11.8% in tier
Non-Interest-Bearing Deposit Share ?	14.85% -25.3% YoY -2.0% QoQ	-7.18%	22.03% -0.6% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	24%
Nonperforming Asset Ratio ?	0.47% -60.4% YoY +44.7% QoQ	-0.19%	0.67% +16.4% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	41%
Tier 1 Capital Ratio ?	11.58% -1.3% YoY -0.3% QoQ	-4.33%	15.91% +1.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.06% +28.2% YoY +125.0% QoQ	-0.50%	0.57% +7.6% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	Bottom 8.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Noninterest-Bearing	14.8% -5.0pp YoY -0.3pp QoQ	-7.3pp	22.1%	18.8%	22.2%	23%
Brokered Deposits	31.7% +12.1pp YoY +16.2pp QoQ	+23.8pp	7.9%	9.4%	8.5%	97%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	35.0% +1.2pp YoY +1.8pp QoQ	+23.5pp	11.6%	10.9%	12.5%	97%
CRE	39.1% -2.2pp YoY -1.9pp QoQ	-0.4pp	39.5%	42.4%	41.4%	51%
1-4 Family	18.8% +3.0pp YoY +0.1pp QoQ	-13.8pp	32.6%	39.8%	31.3%	28%
Consumer	7.1% -1.6pp YoY +0.1pp QoQ	+3.0pp	4.1%	4.5%	5.0%	86%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	11.6% -0.2pp YoY 0.0pp QoQ	-7.2pp	18.8%	14.8%	19.7%	13%
Leverage Ratio	10.1% +0.6pp YoY +0.3pp QoQ	-2.1pp	12.2%	11.4%	12.6%	34%
Total Capital Ratio	12.6% -0.2pp YoY 0.0pp QoQ	-7.4pp	19.9%	15.9%	20.8%	12%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	41 +2 (+5.1%) YoY +2 (+5.1%) QoQ	-18	58	270	482	42%
Assets per Employee ($)	$6.9M +15.2% YoY -5.3% QoQ	-$652K	$7.5M	$7.1M	$8.8M	50%
Branch Count	2 0 YoY 0 QoQ	-3	4	17	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.5% +0.4pp YoY +0.2pp QoQ	-0.4pp	0.9%	0.7%	1.0%	54%
Allowance Coverage	1.60x +144.9% YoY -26.3% QoQ	-22.56x	24.15x	28.97x	20.23x	41%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	2.3% +22.0pp YoY +0.2pp QoQ	-9.9pp	12.2%	10.9%	11.6%	7%
Cost of Funds (YTD)	2.5% -0.9pp YoY 0.0pp QoQ	+0.8pp	1.7%	2.0%	1.7%	91%
Net Income ($, YTD)	$286,000 +114.3% YoY — QoQ	-$2.3M	$2.6M	$16.7M	$40.4M	6%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline

#32 of 162 • Bottom 19.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 14.85%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2493

Return on Assets

profitability

Value: 0.20%

Peer Median: 1.32%

#2493 of 2643 Bottom 5.7% in $100M-$1B

2474

Efficiency Ratio

profitability

Value: 88.89%

Peer Median: 64.48%

#2474 of 2643 Bottom 6.4% in $100M-$1B

2430

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.57%

#2430 of 2643 Bottom 8.1% in $100M-$1B

2331

Loan-to-Deposit Ratio

liquidity

Value: 98.65%

Peer Median: 77.95%

#2331 of 2643 Bottom 11.8% in $100M-$1B

2015

Non-Interest-Bearing Deposit Share

funding

Value: 14.85%

Peer Median: 22.03%

#2015 of 2643 Bottom 23.8% in $100M-$1B