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
Unfavorable gap of $23.0M · efficiency ratio beats 81% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.58% | 0.93% | 1.23% | 1.54% | Beats 76% | 61 / 258 | | |
| Return on Equity | 11.51% | 9.26% | 11.84% | 14.74% | Beats 48% | 134 / 258 | | |
| Net Interest Margin | 4.31% | 3.16% | 3.49% | 3.88% | Beats 89% | 29 / 258 | | |
| Efficiency Ratio | 49.66% | 51.71% | 60.30% | 69.65% | Beats 81% | 49 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.07% | 0.19% | 0.46% | 0.90% | Beats 6% | 243 / 258 | | |
| Net Charge-Offs / Loans | 0.10% | 0.01% | 0.02% | 0.07% | Beats 21% | 204 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 11.26% | 11.41% | 12.98% | 15.12% | Beats 24% | 197 / 258 | | |
| Total Risk-Based Capital Ratio | 11.26% | 12.10% | 13.91% | 16.08% | Beats 17% | 213 / 258 | | |
| Equity / Assets | 13.70% | 9.09% | 10.24% | 11.72% | Beats 90% | 27 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.11% | 73.24% | 86.34% | 95.95% | 36th pctl | 165 / 258 | | |
| Loans / Assets | 68.26% | 63.01% | 72.27% | 78.40% | 34th pctl | 169 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |