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Synovus Trust Company, National Association

Columbus, GA · Cert 33962

FDIC

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in GA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in GA (n=59). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

97

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

25

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Synovus Trust Company, National Association

Columbus, GA · Cert 33962

FDIC

Q2 2026

$157.4MAssets
$0KLoans
$0KDeposits
$149.7MEquity

Executive Summary

  • Earnings: ROA of 10.38%, down 230 bps year over year; NIM at 1.01%.
  • Capital: tier 1 leverage ratio of 97.11%, down 28 bps from a year ago.

Return on Assets (YTD, annualized)

10.38%-230 bps YoY

Net Interest Margin (YTD, annualized)

1.01%-17 bps YoY

Efficiency Ratio (YTD, annualized)

70.24%+859 bps YoY

Tier 1 Leverage Ratio

97.11%-28 bps YoY

NIM

1.08%Q2 ’241.05%Q2 ’251.01%Q2 ’26-4%-15%

Non-interest income vs. expense

29.94%Q2 ’2427.15%Q2 ’2534.39%Q2 ’26-6%+14%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets12.59%13.78%13.04%12.68%13.45%14.84%7.99%10.38%-230 bps
Return on Equity13.05%14.33%13.50%13.08%13.88%15.34%8.26%10.79%-228 bps
Net Interest Margin1.00%0.99%1.20%1.18%1.11%1.83%0.82%1.01%-17 bps
Efficiency Ratio63.08%60.31%60.65%61.64%59.54%57.03%76.42%70.24%+859 bps
Non-Interest Burden-15.59%-16.50%-16.51%-15.85%-16.48%-17.26%-9.68%-13.57%+228 bps
Growth
Asset Growth (YoY)2.44%6.25%6.71%8.65%8.25%8.37%-1.45%0.42%-823 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio95.53%93.76%98.69%97.39%96.73%97.13%88.27%97.11%-28 bps
Total Risk-Based Capital116.80%114.69%119.94%118.20%116.08%114.39%116.30%115.13%-308 bps
Equity / Assets95.61%94.89%98.34%97.67%96.76%96.20%97.33%95.12%-255 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets64.81%66.29%65.52%66.62%67.51%69.60%76.88%75.29%+868 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Synovus Trust Company, National Association

Columbus, GA · Cert 33962 · Peer group: banks under $1B in assets in GA (n=59)

FDIC

Q2 2026

$157.4MAssets
$0KLoans
$0KDeposits
$149.7MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 98% of banks under $1B in assets in GA (rank 1 of 59).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets in GA (rank 59 of 59).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

10.49%

Rank 1 of 59

Net Interest Margin

1.01%

Rank 59 of 59

Efficiency Ratio

70.24%

Rank 45 of 59

Equity / Assets

95.12%

Rank 1 of 59

Non-interest income vs. expense

$73.9M$53.0MINCOMEEXPENSE
Favorable gap of $20.9M · efficiency ratio beats 25% of banks under $1B in assets in GA
Bank 70.24%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets10.49%0.94%1.46%1.76%Beats 98%1 / 59
Return on Equity11.03%7.92%11.60%15.10%Beats 42%34 / 59
Net Interest Margin1.01%3.66%4.24%4.75%Beats 0%59 / 59
Efficiency Ratio70.24%51.87%60.25%70.24%Beats 25%45 / 59
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio115.13%11.93%15.65%21.05%Beats 97%2 / 59
Total Risk-Based Capital Ratio115.13%12.05%15.77%22.26%Beats 97%2 / 59
Equity / Assets95.12%9.10%11.51%14.32%Beats 98%1 / 59
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%49.55%64.39%73.73%0th pctl59 / 59
Brokered Deposits / Depositsn/aNot reported for this institution