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Synovus Trust Company, National Association

Columbus, GA · Cert 33962

FDIC

Q2 2026

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

NIM

1.27%Q2 ’241.06%Q2 ’251.12%Q2 ’26-17%-6%

Non-interest income vs. expense

28.37%Q2 ’2427.99%Q2 ’2532.03%Q2 ’26+8%-7%

Executive Summary

  • Earnings: ROA of 13.14%, up 74 bps year over year; NIM at 1.12%.
  • Capital: tier 1 leverage ratio of 97.11%, down 28 bps from a year ago.

Financial Results

Return on Assets (quarter, annualized)

13.14%+74 bps YoY

Net Interest Margin (quarter, annualized)

1.12%-7 bps YoY

Efficiency Ratio (quarter, annualized)

64.27%+166 bps YoY

Tier 1 Leverage Ratio

97.11%-28 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets12.41%15.03%18.89%7.99%13.14%+74 bps
Return on Equity12.66%15.46%19.57%8.26%13.66%+100 bps
Net Interest Margin1.20%1.04%4.09%0.82%1.12%-7 bps
Efficiency Ratio62.61%55.45%50.76%76.42%64.27%+166 bps
Non-Interest Burden-15.65%-18.68%-21.14%-9.68%-16.68%-103 bps
Growth
Asset Growth (YoY)8.65%8.25%8.37%-1.45%0.42%-823 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio97.39%96.73%97.13%88.27%97.11%-28 bps
Total Risk-Based Capital118.20%116.08%114.39%116.30%115.13%-308 bps
Equity / Assets97.67%96.76%96.20%97.33%95.12%-255 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets66.62%67.51%69.60%76.88%75.29%+868 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a