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Synovus Bank

Columbus, GA · Cert 873

FDIC · 245 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=136 to 137). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer Standing

Trailing 9 quarters, through Q4 2025

Capital

30

Q2 2024Q4 2025Peer median (50)

Asset Quality

62

Q2 2024Q4 2025Peer median (50)

Profitability

71

Q2 2024Q4 2025Peer median (50)

Liquidity

73

Q2 2024Q4 2025Peer median (100)

Efficiency

73

Q2 2024Q4 2025Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

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 2026-10-12

Synovus Bank

Columbus, GA · Cert 873

FDIC · 245 branches

Q4 2025

$61.2BAssets
$44.7BLoans
$51.9BDeposits
$5.8BEquity
Loan mix
70%RE $27.2B26%C&I $10.2B3%Consumer $1.2BQ4 2024Q4 2025
Deposit mix
78%Interest-bearing $40.6B22%Noninterest $11.3BQ4 2024Q4 2025

NIM

5.00%Q4 ’235.28%Q4 ’245.10%Q4 ’25-2%+7%

Non-interest income vs. expense

1.98%Q4 ’231.91%Q4 ’241.97%Q4 ’25-12%+0%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2025 SOD (annual) · 5.8% share · #4 of 80 inst. · $14.3B of $246.0B

29.5% Cobb
63.4% Muscogee
6.9% Jefferson
3.2% Hillsborough

Executive Summary

  • Earnings: ROA of 1.39%, up 54 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.58% of loans (-26 bps YoY), with net charge-offs at 0.18%.
  • Capital: tier 1 leverage ratio of 9.84%, up 40 bps from a year ago.
  • Funding: loans stand at 86.16% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

1.39%+54 bps YoY

Net Interest Margin (YTD, annualized)

3.20%+21 bps YoY

Efficiency Ratio (YTD, annualized)

50.41%-200 bps YoY

Tier 1 Leverage Ratio

9.84%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.85%1.39%1.43%1.44%1.39%+54 bps
Return on Equity10.08%15.65%15.93%15.80%15.05%+497 bps
Net Interest Margin2.99%3.21%3.21%3.21%3.20%+21 bps
Efficiency Ratio52.41%49.44%49.66%49.78%50.41%-200 bps
Non-Interest Burden1.26%1.28%1.26%1.26%1.27%+1 bps
Growth
Asset Growth (YoY)0.73%0.82%2.42%1.46%1.80%+108 bps
Loan Growth (YoY)-1.74%-1.54%1.06%1.52%4.76%+651 bps
Deposit Growth (YoY)1.29%0.70%0.05%-0.32%-0.17%-146 bps
Asset Quality
Nonperforming Loans / Loans0.84%0.77%0.68%0.49%0.58%-26 bps
Net Charge-Offs / Loans0.31%0.20%0.18%0.17%0.18%-14 bps
Allowance / Loans1.14%1.12%1.06%1.07%1.07%-7 bps
Allowance Coverage of NPLs1.4x1.5x1.6x2.2x1.8x+0.5x
Capital
Tier 1 Leverage Ratio9.44%9.78%9.83%9.95%9.84%+40 bps
Total Risk-Based Capital13.31%13.67%13.47%13.72%14.08%+77 bps
Equity / Assets8.61%9.17%9.20%9.58%9.52%+91 bps
Liquidity & Funding
Loans / Deposits82.11%82.98%86.05%86.87%86.16%+406 bps
Liquid Assets / Assets8.32%7.69%7.44%6.85%7.03%-129 bps
CRE / Total Capitaln/an/an/a331%331%n/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 2026-10-12

Synovus Bank

Columbus, GA · Cert 873 · Peer group: banks over $10B in assets (n=136-137)

FDIC · 245 branches

Q4 2025

$61.2BAssets
$44.7BLoans
$51.9BDeposits
$5.8BEquity

Executive Summary

  • Strongest standing: return on equity outperforms 82% of banks over $10B in assets (rank 25 of 137).
  • Widest gap: brokered deposits / deposits trails 82% of banks over $10B in assets (rank 113 of 137).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.37%

Rank 37 of 137

Net Interest Margin

3.20%

Rank 57 of 137

Efficiency Ratio

50.85%

Rank 38 of 137

Equity / Assets

9.52%

Rank 102 of 137

Non-interest income vs. expense

$0.4B$1.2BINCOMEEXPENSE
Unfavorable gap of $0.8B · efficiency ratio beats 73% of banks over $10B in assets
Bank 50.85%Peer median 57.0%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.37%0.87%1.13%1.38%Beats 73%37 / 137
Return on Equity14.42%7.29%10.18%12.34%Beats 82%25 / 137
Net Interest Margin3.20%2.65%3.06%3.38%Beats 58%57 / 137
Efficiency Ratio50.85%50.38%56.96%62.80%Beats 73%38 / 137
Asset Quality
Nonperforming Loans / Loans0.58%0.45%0.72%1.07%Beats 62%53 / 136
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.02%12.02%13.11%15.25%Beats 24%104 / 137
Total Risk-Based Capital Ratio14.08%13.37%14.61%16.44%Beats 40%82 / 137
Equity / Assets9.52%9.50%11.20%12.98%Beats 26%102 / 137
Liquidity & Funding
Loans / Deposits86.16%74.10%82.24%90.33%57th pctl58 / 136
Loans / Assets73.09%58.67%68.68%74.63%70th pctl41 / 136
Brokered Deposits / Deposits10.50%0.46%3.82%8.33%Beats 18%113 / 137