Sonata Bank is a state-chartered bank headquartered in Brentwood, Tennessee, in business for about 136 years. At the end of Q2 2026 it reported $281.5M in total assets and $247.6M in deposits, with 1 office.
Based on its Q2 2026 filing, Sonata Bank scores 57/100, which we describe as moderate. That is higher than only 14% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 100th. Its strongest component is problem-loan coverage (90/100; 4.8%), and its lowest is earnings (28/100; 0.20%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 15 points (42 → 57), mostly because the loan quality component improved by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 52 |
| Q4 2024 | 54 |
| Q1 2025 | 53 |
| Q2 2025 | 42 |
| Q3 2025 | 51 |
| Q4 2025 | 52 |
| Q1 2026 | 57 |
| Q2 2026 | 57 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.17% |
| Q3 2024 | 9.52% |
| Q4 2024 | 9.58% |
| Q1 2025 | 9.54% |
| Q2 2025 | 9.51% |
| Q3 2025 | 9.52% |
| Q4 2025 | 9.51% |
| Q1 2026 | 9.82% |
| Q2 2026 | 10.12% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.41% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.34% |
| Q1 2025 | 0.35% |
| Q2 2025 | 1.36% |
| Q3 2025 | 0.39% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.37% |
| Q2 2026 | 0.52% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -3.42% |
| Q3 2024 | -3.07% |
| Q4 2024 | -2.56% |
| Q1 2025 | -1.46% |
| Q2 2025 | -1.78% |
| Q3 2025 | -1.13% |
| Q4 2025 | -0.69% |
| Q1 2026 | 0.18% |
| Q2 2026 | 0.20% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $281.5M | 10.12% | 0.52% | 0.20% | 98.6% |
| Q1 2026 | 57 | $282.7M | 9.82% | 0.37% | 0.18% | 92.1% |
| Q4 2025 | 52 | $281.5M | 9.51% | 0.35% | -0.69% | 90.4% |
| Q3 2025 | 51 | $256.8M | 9.52% | 0.39% | -1.13% | 93.6% |
| Q2 2025 | 42 | $232.5M | 9.51% | 1.36% | -1.78% | 98.1% |
| Q1 2025 | 53 | $221.7M | 9.54% | 0.35% | -1.46% | 96.2% |
| Q4 2024 | 54 | $218.3M | 9.58% | 0.34% | -2.56% | 93.7% |
| Q3 2024 | 52 | $200.8M | 9.52% | 0.47% | -3.07% | 97.9% |
| Q2 2024 | 53 | $178.5M | 10.17% | 0.41% | -3.42% | 107.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Newport Federal BankBank Newport, TN | 68 out of 100, Moderate | $276.8M | 10.4% | 0.69% | vs |
| Citizens Bank and Trust Company of Grainger CountyBank Rutledge, TN | 85 out of 100, Very strong | $273.2M | 14.2% | 0.44% | vs |
| Bank of DicksonBank Dickson, TN | 78 out of 100, Strong | $291.0M | 11.5% | 0.00% | vs |
| Bank of CrockettBank Bells, TN | 76 out of 100, Strong | $299.1M | 10.5% | 0.29% | vs |
| Mountain Valley BankBank Dunlap, TN | 62 out of 100, Moderate | $254.6M | 10.0% | 0.54% | vs |
| Bank of Perry CountyBank Lobelville, TN | 71 out of 100, Strong | $253.1M | 9.1% | 0.38% | vs |
Deposit insurance
Is my money safe at Sonata Bank?
Yes. Sonata Bank is an FDIC-insured institution (FDIC certificate #21342). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.4% of deposits ($77.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.12%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.57% (benchmark: 10%).
1 location
Branches
Sonata Bank lists 1 office in 1 city. Most locations:
- Brentwood, TN (1)
Identity & history
Profile
- Legal name
- Sonata Bank
- Former names
- Sebree Deposit Bank
- Type
- State-chartered bank
- FDIC certificate #
- 21342
- RSSD ID
- 62044
- Primary regulator
- FDIC
- Holding company
- Sonata Financial Holdings Inc
- Established
- January 1, 1890
- Headquarters
- 5005 Maryland Way, Brentwood, TN 37027
- Website
- www.sonatabank.com/
- Employees
- 41
Quick answers
Sonata Bank: common questions
Is Sonata Bank FDIC insured?
Yes. Sonata Bank is an FDIC-insured institution (FDIC certificate #21342). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Sonata Bank's TellerScore?
57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Sonata Bank ever failed?
There is no failure record for FDIC certificate #21342 in the FDIC failed bank list.
How many branches does Sonata Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Brentwood
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| First South Financial Federal Credit UnionCredit union Bartlett, TN | 95 out of 100, Very strong | $844.8M | 30.2% | 0.22% | vs |
| The Farmers BankBank Portland, TN | 89 out of 100, Very strong | $942.8M | 15.1% | 0.53% | vs |
| Heritage South Community Credit UnionCredit union Shelbyville, TN | 88 out of 100, Very strong | $361.9M | 17.1% | 0.75% | vs |
| P.I.A.S. Credit UnionCredit union Brentwood, TN | 87 out of 100, Very strong | $4.2M | 17.4% | 0.00% | vs |
| First Freedom BankBank Lebanon, TN | 85 out of 100, Very strong | $817.8M | 12.5% | 0.01% | vs |