Sonata Bank: how it compares with its peers
Against 48 TN banks with half to twice its assets, Sonata Bank's strongest measure in Q2 2026 is assets per employee ($6.9M vs. a $6.2M peer median). Its weakest relative measure is return on assets (0.20% vs. 0.96%).
| Measure | Sonata Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.20% | 0.96% | Bottom third Ahead of 2% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.86% | 4.01% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 88.89% | 66.86% | Bottom third Ahead of 2% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $6.2M | Top third Ahead of 69% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.65% | 82.44% | Context |
What it means for lending operations
Its efficiency ratio of 88.89% is above the 66.86% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Newport Federal Bank Newport, TN · $277M
- Citizens Bank and Trust Company of Grainger County Rutledge, TN · $273M
- Bank of Dickson Dickson, TN · $291M
- Bank of Crockett Bells, TN · $299M
- Mountain Valley Bank Dunlap, TN · $255M
- Bank of Perry County Lobelville, TN · $253M
Questions about Sonata Bank
How big is Sonata Bank?
Sonata Bank, established in 1890, is headquartered in Brentwood, TN. It reported $282M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Sonata Bank's return on assets?
0.20% annualized in Q2 2026, against a 0.96% median for 48 TN banks with half to twice its assets, ahead of 2% of them.
What is Sonata Bank's efficiency ratio?
88.89% in Q2 2026: it spent about 89 cents in noninterest expense for each dollar of revenue. The peer median is 66.86%, and lower is better.
Is Sonata Bank growing its loans?
Net loans grew 20.0% over the year to Q2 2026, while deposits grew 19.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.