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
Unfavorable gap of $0.8B · efficiency ratio beats 73% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 0.87% | 1.13% | 1.38% | Beats 73% | 37 / 137 | | |
| Return on Equity | 14.42% | 7.29% | 10.18% | 12.34% | Beats 82% | 25 / 137 | | |
| Net Interest Margin | 3.20% | 2.65% | 3.06% | 3.38% | Beats 58% | 57 / 137 | | |
| Efficiency Ratio | 50.85% | 50.38% | 56.96% | 62.80% | Beats 73% | 38 / 137 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.58% | 0.45% | 0.72% | 1.07% | Beats 62% | 53 / 136 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.02% | 12.02% | 13.11% | 15.25% | Beats 24% | 104 / 137 | | |
| Total Risk-Based Capital Ratio | 14.08% | 13.37% | 14.61% | 16.44% | Beats 40% | 82 / 137 | | |
| Equity / Assets | 9.52% | 9.50% | 11.20% | 12.98% | Beats 26% | 102 / 137 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.16% | 74.10% | 82.24% | 90.33% | 57th pctl | 58 / 136 | | |
| Loans / Assets | 73.09% | 58.67% | 68.68% | 74.63% | 70th pctl | 41 / 136 | | |
| Brokered Deposits / Deposits | 10.50% | 0.46% | 3.82% | 8.33% | Beats 18% | 113 / 137 | | |