| Metric | Sonata Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.1% | +4.4% | +16.7 pts |
| Deposit growth (YoY) | +19.3% | +4.0% | +15.4 pts |
| Loan growth (YoY) | +20.0% | +5.6% | +14.5 pts |
| ROA | 0.20% | 1.24% | -1.0 pts |
| ROE | 2.3% | 11.9% | -9.6 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $281.5M | $247.6M | $244.2M | $25.8M | $286K | 0.20% | 3.86% | 0.47% |
| Q1 2026 | $282.7M | $254.6M | $234.5M | $25.1M | $125K | 0.18% | 3.85% | 0.33% |
| Q4 2025 | $281.5M | $254.8M | $230.3M | $23.5M | $-1.7M | -0.69% | 3.73% | 0.30% |
| Q3 2025 | $256.8M | $231.9M | $217.2M | $22.1M | $-2.0M | -1.13% | 3.60% | 0.34% |
| Q2 2025 | $232.5M | $207.5M | $203.4M | $21.1M | $-2.0M | -1.78% | 3.35% | 1.20% |
| Q1 2025 | $221.7M | $199.1M | $191.6M | $20.2M | $-802K | -1.46% | 3.43% | 0.31% |
| Q4 2024 | $218.3M | $195.7M | $183.4M | $19.4M | $-4.4M | -2.56% | 3.32% | 0.28% |
| Q3 2024 | $200.8M | $180.2M | $176.5M | $17.5M | $-3.7M | -3.07% | 3.35% | 0.42% |
Loan mix (Q2 2026): real estate $143.2M · commercial $85.6M · consumer $17.3M · securities $1.9M
| Ratio | Sonata Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 1.24% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 11.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.9% | 62.9% | 93th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Sonata Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Sonata Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Sonata Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Sonata Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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