Total Assets
$282M
Total balance-sheet footings
FDIC Cert #21342 · Brentwood, Tennessee · Est. 1890
Sonata Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $282M
- Total assets
- D
- Health grade · Weak
- -0.69%
- Return on assets
- 11.0%
- Tier 1 capital
Data updated July 2026
The verdict
Sonata Bank earns a PlainBankData health grade of D (48/100), with well-capitalized at 10.99% Tier 1, -0.69% ROA, 113% efficiency ratio.
- #2,587
- largest of 4,313 FDIC banks by assets
- 40th
- percentile by asset size, nationally
- 10.99%
- Tier 1 ratio - above the 10% well-capitalized line
- 2nd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 21342 · TN D · 48/100
GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL
- GRADE-D D (48/100)
- BOTTOM-DECILE #4157/4307
- PHOTO-FINISH Oklahoma Heritage Bank · OK
- TIER1-WELL 11.0% Tier 1
- TEXAS-CLEAN 3.2% Texas
- ROA-LOSS -0.69% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Tennessee: Oklahoma Heritage Bank, OK (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Sonata Bank
Lowest and highest poles plus nearest scored peers outside Tennessee, not a full FDIC corpus board reprint.
What Sonata Bank's Call Report plate shows
Sonata Bank (FDIC Cert #21342) carries a PlainBankData health grade of D at 48/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,157 of 4,307. Tier 1 capital prints at 10.99%, clearing the 10% well-capitalized line. The Texas Ratio is 3.17%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.69%. Balance-sheet scale is $282M, 2,587th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Oklahoma Heritage Bank (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Sonata Bank
7 FAILURE resolutions in Tennessee since 2000 (6 since 2008)
Sonata Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Sonata Bank remains an active FDIC-insured reporter.
- TRUST COMPANY BANK MEMPHIS, TN 2016 → THE BANK OF FAYETTE COUNTY
- COMMUNITY SOUTH BANK PARSONS, TN 2013 → CB&S BANK, INC.
- MOUNTAIN NATIONAL BANK SEVIERVILLE, TN 2013 → FIRST TENNESSEE BANK, NATIONAL ASSOCIATION
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Tennessee banks.
How Sonata Bank's 48/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (10.99%) 28/40
Return on Assets (ROA) (-0.69%) 0/25
Texas Ratio (3.17%) 20/20
Efficiency Ratio (112.89%) 0/15
48 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$255M
Customer-funded liabilities
Net Loans
$230M
Outstanding loan book
Net Income
$-1,682K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Sonata Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Sonata Bank's score of 48/100 falls in the highlighted band.
Sonata Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
48 3rd percentile higher than 3% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Sonata Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Sonata Bank's $282M falls in the highlighted band.
Safety ratios for Sonata Bank
Tier 1 capital ratio
Well-capitalized 10%
10.99% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.99%
Texas Ratio
3.17%
Equity Capital
$24M
Profitability metrics: Sonata Bank
Return on Assets (ROA)
2nd percentile nationally
-0.69%
Return on Equity (ROE)
-7.91%
Efficiency Ratio
112.89%
Income & expense: loss period at Sonata Bank
$15M
Interest Income
$269K
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Sonata Bank reports a Texas Ratio of 3.17% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.17% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Sonata Bank
Sonata Bank's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-1,682K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Sonata Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Tennessee by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($282M here), outside Tennessee so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Sonata Bank (FDIC Cert #21342) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Sonata Bank Call Report profile · FDIC Failed Bank List · Tennessee FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First Horizon BankMemphis | $83.6B | B | 1.35% |
| Pinnacle BankNashville | $57.6B | A | 1.25% |
| FirstBankNashville | $16.3B | B | 0.89% |
| Wilson Bank and TrustLebanon | $5.9B | A | 1.38% |
| SmartBankPigeon Forge | $5.9B | B | 1.00% |
| SouthEast BankFarragut | $3.5B | C | 0.68% |
| Home Federal Bank of TennesseeKnoxville | $2.7B | C | 0.21% |
| Builtwell BankChattanooga | $2.3B | A | 2.07% |