BlastPoint's Banking Scorecard
Sonata Bank
Micro
Specialty: Commercial
TN
FDIC cert 21342
Designations: ✓ Community bank
Brentwood, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Sonata Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.78% below tier
- - Efficiency Ratio 45.17% above tier
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$281.5M
+28.9% YoY
+9.6% QoQ
|
+$64.0M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$230.3M
+25.6% YoY
+6.0% QoQ
|
+$91.1M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$254.8M
+30.2% YoY
+9.9% QoQ
|
+$71.2M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
-0.69%
+72.8% YoY
+38.4% QoQ
|
-1.78% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
3.73%
+12.4% YoY
+3.6% QoQ
|
-0.12% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
112.89%
-27.6% YoY
-9.1% QoQ
|
+45.17% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
0.35%
+2.7% YoY
-10.6% QoQ
|
-0.29% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
90.37%
-3.6% YoY
-3.5% QoQ
|
+15.84% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
22.33%
+61.9% YoY
-18.7% QoQ
|
-0.07% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.30%
+5.5% YoY
-13.0% QoQ
|
-0.15% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
10.99%
-9.6% YoY
+0.3% QoQ
|
+2.14% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.10%
-37.5% YoY
+22.1% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-0.69%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
112.89%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
81
81th pctile
Total Loans
Current: $230.3M · Tier avg: $139.2M
72
72th pctile
Total Deposits
Current: $254.8M · Tier avg: $183.7M
68
68th pctile
Total Assets
Current: $281.5M · Tier avg: $217.5M
55
55th pctile
Tier 1 Capital Ratio
Current: 10.99% · Tier avg: 8.85%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.33% · Tier avg: 22.39%
53
53th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.64%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
46
46th pctile
Net Interest Margin
Current: 3.73% · Tier avg: 3.85%
22
22th pctile
Loan-to-Deposit Ratio
Current: 90.37% · Tier avg: 74.53%
7
7th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
3
3th pctile
Return on Assets
Current: -0.69% · Tier avg: 1.08%
2
2th pctile
Efficiency Ratio
Current: 112.89% · Tier avg: 67.73%
Top Weaknesses
2
2th pctile
Efficiency Ratio
Current: 112.89% · Tier avg: 67.73%
3
3th pctile
Return on Assets
Current: -0.69% · Tier avg: 1.08%
7
7th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
22
22th pctile
Loan-to-Deposit Ratio
Current: 90.37% · Tier avg: 74.53%
46
46th pctile
Net Interest Margin
Current: 3.73% · Tier avg: 3.85%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
53
53th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.64%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.33% · Tier avg: 22.39%
55
55th pctile
Tier 1 Capital Ratio
Current: 10.99% · Tier avg: 8.85%
68
68th pctile
Total Assets
Current: $281.5M · Tier avg: $217.5M
72
72th pctile
Total Deposits
Current: $254.8M · Tier avg: $183.7M
81
81th pctile
Total Loans
Current: $230.3M · Tier avg: $139.2M