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Synergy Bank

Houma, LA · Cert 34978 · Synergy Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

44

Q2 2024Q2 2026peer median (50)

Asset Quality

14

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

81

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

Synergy Bank

Houma, LA · Cert 34978 · Synergy Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$1.3BAssets
$875.7MLoans
$1.1BDeposits
$175.7MEquity
Loan mix
80%RE $660.1M18%C&I $151.1M2%Consumer $17.2MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $818.9M25%Noninterest $274.2MQ2 2025Q2 2026

NIM

5.38%Q2 ’245.67%Q2 ’255.71%Q2 ’26+6%+3%

Non-interest income vs. expense

2.14%Q2 ’242.23%Q2 ’252.35%Q2 ’26+5%+4%

Market Position · Houma-Bayou Cane-Thibodaux, LA · 2026 SOD (annual) · 15.5% share · #2 of 14 inst. · $0.8B of $5.4B

19.0% Terrebonne
10.4% Lafourche
30.5% Pointe Coupee
0.2% East Baton Rouge

Executive Summary

  • Earnings: ROA of 1.60%, down 5 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 2.07% of loans (-71 bps YoY), with net charge-offs at 0.19%.
  • Capital: tier 1 leverage ratio of 11.26%, up 18 bps from a year ago.
  • Funding: loans stand at 80.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.60%-5 bps YoY

Net Interest Margin (YTD, annualized)

4.31%+12 bps YoY

Efficiency Ratio (YTD, annualized)

48.69%+98 bps YoY

Tier 1 Leverage Ratio

11.26%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.66%1.74%1.72%1.57%1.60%-5 bps
Return on Equity12.38%12.79%12.65%11.65%11.84%-55 bps
Net Interest Margin4.19%4.32%4.32%4.26%4.31%+12 bps
Efficiency Ratio47.72%46.55%47.80%49.81%48.69%+98 bps
Non-Interest Burden1.73%1.72%1.79%1.85%1.80%+7 bps
Growth
Asset Growth (YoY)4.76%3.39%3.22%3.16%3.23%-153 bps
Loan Growth (YoY)5.35%13.36%15.29%13.36%13.87%+852 bps
Deposit Growth (YoY)4.61%3.05%2.87%2.99%3.17%-143 bps
Asset Quality
Nonperforming Loans / Loans2.77%2.19%2.12%1.73%2.07%-71 bps
Net Charge-Offs / Loans0.07%0.02%0.16%-0.01%0.19%+12 bps
Allowance / Loans2.00%2.05%1.98%2.05%2.06%+6 bps
Allowance Coverage of NPLs0.7x0.9x0.9x1.2x1.0x+0.3x
Capital
Tier 1 Leverage Ratio11.08%11.54%10.62%11.06%11.26%+18 bps
Total Risk-Based Capital11.08%11.54%10.62%11.06%11.26%+18 bps
Equity / Assets13.62%14.20%13.45%13.51%13.70%+8 bps
Liquidity & Funding
Loans / Deposits72.59%78.00%78.38%78.51%80.11%+752 bps
Liquid Assets / Assets15.41%12.62%12.33%13.23%11.62%-379 bps
CRE / Total Capitaln/a290%322%319%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

Synergy Bank

Houma, LA · Cert 34978 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Synergy Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$1.3BAssets
$875.7MLoans
$1.1BDeposits
$175.7MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 90% of banks $1B-$10B in assets operating in a single state (rank 27 of 258).
  • Widest gap: nonperforming loans / loans trails 94% of banks $1B-$10B in assets operating in a single state (rank 243 of 258).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.58%

Rank 61 of 258

Net Interest Margin

4.31%

Rank 29 of 258

Efficiency Ratio

49.66%

Rank 49 of 257

Equity / Assets

13.70%

Rank 27 of 258

Non-interest income vs. expense

$7.1M$30.0MINCOMEEXPENSE
Unfavorable gap of $23.0M · efficiency ratio beats 81% of banks $1B-$10B in assets operating in a single state
Bank 49.66%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.58%0.93%1.23%1.54%Beats 76%61 / 258
Return on Equity11.51%9.26%11.84%14.74%Beats 48%134 / 258
Net Interest Margin4.31%3.16%3.49%3.88%Beats 89%29 / 258
Efficiency Ratio49.66%51.71%60.30%69.65%Beats 81%49 / 257
Asset Quality
Nonperforming Loans / Loans2.07%0.19%0.46%0.90%Beats 6%243 / 258
Net Charge-Offs / Loans0.10%0.01%0.02%0.07%Beats 21%204 / 258
Capital
Tier 1 Capital Ratio11.26%11.41%12.98%15.12%Beats 24%197 / 258
Total Risk-Based Capital Ratio11.26%12.10%13.91%16.08%Beats 17%213 / 258
Equity / Assets13.70%9.09%10.24%11.72%Beats 90%27 / 258
Liquidity & Funding
Loans / Deposits80.11%73.24%86.34%95.95%36th pctl165 / 258
Loans / Assets68.26%63.01%72.27%78.40%34th pctl169 / 258
Brokered Deposits / Depositsn/aNot reported for this institution