Houma, LA · Cert 34978 · Synergy Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Houma-Bayou Cane-Thibodaux, LA · 2026 SOD (annual) · 15.5% share · #2 of 14 inst. · $0.8B of $5.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.56% | 1.55% | 1.57% | 1.66% | 1.74% | 1.72% | 1.57% | 1.60% | -5 bps | |
| Return on Equity | 11.67% | 11.60% | 11.81% | 12.38% | 12.79% | 12.65% | 11.65% | 11.84% | -55 bps | |
| Net Interest Margin | 3.95% | 3.89% | 4.15% | 4.19% | 4.32% | 4.32% | 4.26% | 4.31% | +12 bps | |
| Efficiency Ratio | 48.06% | 48.05% | 48.40% | 47.72% | 46.55% | 47.80% | 49.81% | 48.69% | +98 bps | |
| Non-Interest Burden | 1.65% | 1.62% | 1.74% | 1.73% | 1.72% | 1.79% | 1.85% | 1.80% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.20% | 2.56% | 3.70% | 4.76% | 3.39% | 3.22% | 3.16% | 3.23% | -153 bps | |
| Loan Growth (YoY) | 0.01% | 1.78% | 4.63% | 5.35% | 13.36% | 15.29% | 13.36% | 13.87% | +852 bps | |
| Deposit Growth (YoY) | -1.91% | 2.22% | 3.51% | 4.61% | 3.05% | 2.87% | 2.99% | 3.17% | -143 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.32% | 2.20% | 2.58% | 2.77% | 2.19% | 2.12% | 1.73% | 2.07% | -71 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.00% | 0.07% | 0.02% | 0.16% | -0.01% | 0.19% | +12 bps | |
| Allowance / Loans | 1.79% | 1.95% | 2.00% | 2.00% | 2.05% | 1.98% | 2.05% | 2.06% | +6 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 0.8x | 0.7x | 0.9x | 0.9x | 1.2x | 1.0x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.28% | 10.33% | 10.79% | 11.08% | 11.54% | 10.62% | 11.06% | 11.26% | +18 bps | |
| Total Risk-Based Capital | 11.28% | 10.33% | 10.79% | 11.08% | 11.54% | 10.62% | 11.06% | 11.26% | +18 bps | |
| Equity / Assets | 13.92% | 13.20% | 13.36% | 13.62% | 14.20% | 13.45% | 13.51% | 13.70% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.90% | 69.94% | 71.32% | 72.59% | 78.00% | 78.38% | 78.51% | 80.11% | +752 bps | |
| Liquid Assets / Assets | 19.60% | 18.20% | 17.17% | 15.41% | 12.62% | 12.33% | 13.23% | 11.62% | -379 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 290% | 322% | 319% | n/a | n/a | |