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Sonata Bank
Rating Date
June 2025
Risk Based
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Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10).
Other Rating Factors: Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 12.8 and a capital leverage ratio of 9.5. A current level of 3.1 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Good asset quality (5.5).
Asset Mix: Comm loans (29%), comm re (27%), home mtgs (13%), consumer loans (8%), cash (6%), securities (1%), home eq lns (1%), other (15%)
States with Branches: KY, TN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
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Liquidity Ratio
Hot Money
Corporate Info
Group Affiliation
Sonata Financial Holdings, Inc.
Investment Rating
--
Address
5005 Maryland Way
Brentwood, TN 37027
Phone Number
(833) 766-2821
Year Founded
1890
FDIC Number
Largest Affiliates
No affiliate information available.