# SONATA BANK
BRENTWOOD, TN · FDIC certificate 21342 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $281.5M | |
| Deposits | $247.6M | |
| Loans and leases | $246.3M | |
| Total equity | $25.8M | |
| Loans / deposits | 98.65% (p90 of band) | 73.59% |
| Liquid assets / assets | 10.29% (p4 of band) | |
| Uninsured deposits / deposits | 31.39% (p84 of band) | 19.81% |
| Brokered deposits | 27.84% | |
| Wholesale funding | 29.62% (p99 of band) | |
| FHLB advances / assets | 1.78% | |
| Tier 1 leverage | 10.12% (p26 of band) | 11.76% |
| Unrealized securities loss / equity | 0.01% (p98 of band) | -6.57% |
| AOCI / equity | 0.02% (p86 of band) | |
| ROA (annualized) | 0.20% (p9 of band) | 1.17% |
| Net interest margin | 3.86% (p47 of band) | 3.93% |
| Efficiency ratio | 88.89% (p89 of band) | |
| Noncurrent loans | 0.52% (p57 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 159.67% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 93.64% (p93 of band) | |
| Auto loans | $85,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 19.3% | |
| Employees | 41 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 4 | uninsured deposits leaving |  |
| 2012-06 | 3 |  | uninsured deposits leaving |
| 2012-09 | 3 |  |  |
| 2012-12 | 4 | uninsured deposits leaving |  |
| 2013-03 | 4 | charge-offs p90 | uninsured deposits leaving |
| 2013-06 | 3 | uninsured deposits leaving | capital falling, charge-offs p90 |
| 2013-09 | 2 |  | uninsured deposits leaving |
| 2013-12 | 1 |  | losing money |
| 2014-03 | 2 | losing money |  |
| 2014-06 | 3 | capital falling |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 1 |  | losing money, capital falling |
| 2015-03 | 2 | losing money |  |
| 2015-06 | 4 | deposits shrinking, assets shrinking |  |
| 2015-09 | 2 |  | deposits shrinking, assets shrinking |
| 2015-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-12 | 3 |  | deposits shrinking, assets shrinking |
| 2018-03 | 4 | capital falling |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 3 |  | capital falling |
| 2018-12 | 4 | deposits shrinking |  |
| 2019-03 | 3 | capital falling | uninsured deposits leaving, deposits shrinking |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | capital falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | uninsured deposits leaving | capital falling |
| 2021-06 | 2 |  | uninsured deposits leaving |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | capital falling |  |
| 2022-06 | 4 | uninsured deposits >50%, NIM <2.5% | capital falling |
| 2022-09 | 2 |  | uninsured deposits >50%, NIM <2.5% |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 4 | loans exceed deposits, uninsured deposits leaving |  |
| 2023-09 | 6 | brokered >10%, wholesale funding >15%, capital falling | uninsured deposits leaving |
| 2023-12 | 5 |  | loans exceed deposits |
| 2024-03 | 8 | loans exceed deposits, liquid assets <10%, construction >100% equity |  |
| 2024-06 | 7 |  | construction >100% equity |
| 2024-09 | 6 |  | loans exceed deposits |
| 2024-12 | 5 | charge-offs p90 | capital falling, liquid assets <10% |
| 2025-03 | 5 | liquid assets <10% | charge-offs p90 |
| 2025-06 | 8 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2025-09 | 5 | construction >100% equity | liquid assets <10%, capital falling, charge-offs p90, reserve under noncurrent |
| 2025-12 | 5 |  |  |
| 2026-03 | 2 |  | expense ratio p90, losing money, wholesale funding >15% |
| 2026-06 | 2 | wholesale funding >15% | construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-08 [Sonata Bank hosts Daisy and Brownie Troop for financial literacy month - Williamson Herald](https://news.google.com/rss/articles/CBMigAJBVV95cUxQazlIRVBWRkZDdjRDd3Z3TTNSWFBMSFZ4U0g3eEZxbjJ5bFRCVV8tNUhIRS0zZVp6RG1TXzR0RmdhWGNXMzQxbXBLcGpaUmhnR1UxUDJzNjZtY3hfbk1seFUyNkJ3YXpmV3ZBQWN2Sm93NW9zVXlYdl9vM3ZETHVYSG1ucTJPSnNhMTNZZWJlNnExODg2QUNBU3VkMUpfZnBIVnNLa3A1UHEtNmFXZjNSd0QtYzZ6X0luNGFNTnY0dGw5ZVNFZEJMU2ZUSlFBRkVaZDVMVFY0UWlPVjNDUFBab0Y1Q1ctMl96YmJvX3JqSHAyQVpOYTJCREJQczYtc2lX?oc=5) · Williamson Herald
- 2025-12-22 [Dana Litman Joins Sonata Bank as Chief Financial Officer - Business Wire](https://news.google.com/rss/articles/CBMiswFBVV95cUxOSWs5M0hZUU0wWmZ5NEhHV0VIdC1qaXYxd01DZzQzV0FmM2FZZXNKRmxXVS1XUHlXcGEzeEhFWTB4ZXlhejVadjZaN0szWEVNSFhkUmZZa19MT1A2YXdXcVVuRnBBeUo5LTNnbUpDMzUxWWplWFBFVWZnNTgyOTBHX1RYR1ZUR1ZtUUlMbVFudGtjTEVhTDRoajFZQ3ZyaDZSVjZFVUxNd1lZMk9XcFhfb01EYw?oc=5) · Business Wire
- 2025-10-20 [Q&A: Wendell Bontrager, Sonata Bank - Nashville Post](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOSGhjT0h2NHV1MU9WUHR3SGIxWEZhYmZlZ0xrQUEyT2Z4X1lhZ0l2YVlrb3E4NENPYnk3OGpGRVpOTU54ZnJOcC13Z3MzWkZIMEhKU3BLRHA4Y0lDNVVUTWlCb1QzNVFtYXlJRWI4T3VtOGpjOXgzSjFmN1VMRGVHM2d1NkVWbk1YTm5QVDA0STdCTXZDUjRrNHVSOVd3Z0J2WFRiWjdETFpfVmNDOE5TRWwxYVhhUlhEU2NvNUVMaEJ1ZWNPMW15MQ?oc=5) · Nashville Post
- 2022-08-12 [Nashville bank execs launch Sonata to serve fast-food industry - Banking Dive](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPZ0dZR1ZqN21DSUtFSF94TUhRRTVyXzVhX09vQi0xV0ZEX1dIcHJOOUItWi00bkFMWXZwaUFBUEVwQktOTkhLRzhidk0xU0M0NU1Bck5KMDZtaGpYaHRUdFpfOFM0bTJBLW5wR250bV9aZ093RlN1ZnZLcWotbF90aVRlOVljbUhiWVMzVWF1QlhFMVBJZzBDRTN2NHFwMVZKYmFXYm1KTmFmS0xNOUh5MGZUZlhNMThvaGtMZ2dPTHRlNFRxY3FTbHpxUjZRNlItaXpmVA?oc=5) · Banking Dive
- 2022-08-08 [Exclusive: Two Reliant Bank founders launch Brentwood-based Sonata Bank - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOeU1PMkRDNm1FWlhPSHFxV0dfRW1fYmN5REl5eHdudHNBRm1UU0p4TmFjNUdhUGNVbGtLSTVwWkkzaGpCVnFBbDJLQmRZQTdhQUlrWTlHMV9zd1RTeE1zaXIzbWx6SVdBYUs1azQ5LXNyamdzWkZpZHJjUW5hNFNkLVJrdUdFT00xZVBsVi0ydVY1ZGpacE5fcUVYR083Zmc5eWhzcnZn?oc=5) · The Business Journals
- 2022-08-31 [Brentwood-based Sonata Bank names board of directors - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxNbUgybm15WjlOZmVoazFnMTNFV1JUU2Y2dUpMSlNtT1Z3TktwUWxVSk5VU3VlQkpqNzI5dUR1N2ZMaFZPM3Nldjl3R0lqN3N6SEdVS2Y3a3RzcFhqSkxQcC10anZnVTQ5T0diQ21sdXlQZlI3dzJtWGU1TjAxelI5a3E3NHgxT0E0RHFHZ19HVmNaQmVZSmhaSDg2VlN1WWhjTHVPZ1hvb3dhMFV4?oc=5) · The Business Journals
- 2022-08-09 [Brentwood banking veteran, franchisee entrepreneur team up for Sonata Bank - Williamson Herald](https://news.google.com/rss/articles/CBMihAJBVV95cUxQeVRwOGtUcEdNTFpxbnJzdmExVzd1a2lTX3hfUVVWWnEzMHlxcHhhakZpczl2UUtDejljWlgxamRkdHNGMkluSUotdHltWHpFNzZiMjNEY3dzZ3l0REZJa3ZrekpvQlIxVkJ3UzlaUWdPUTZVNHRDOExJUXdDUWhmY1dGb0UzcGtSNVVrTzBOQ3ZhcnVJaGVNNkhRR19MMDdsd09nV0xYU21OZ08yRUNlTk1CTzg1dGx4cWNlN0h6d19VUXF6UEpaekZTbDFrOFc2RzhPY0tKaG1HOHpJb0tiYkx4amFIYmFoNC1QVWs2bTBoNzIyVG4tTjY2NXJORjcwQlpscA?oc=5) · Williamson Herald
- 2025-04-14 [Sonata Bank names new CEO - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxQZlIxTWpTckVkWEdsaWxHaEwzWElYMXNoSTFvTFNJUGJic2hPckRCUUZVNFVqaHRKUkgxTzJETjk3aF9DRzk1bm1nVzNldjRpWTFhblpodlllbWJ3Rk10U3Z3cXY3d3duUngwallubFpSME40ejFVczFXVFl4Uk41NHc4RFcwY3diNGNDS1FXOUp3alJTbnZiQVloTUNPRDlOMTh2RQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21342 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "21342", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide