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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

5.17%Q4 ’235.29%Q4 ’245.13%Q4 ’25+8%+3%

Non-interest income vs. expense

2.21%Q4 ’231.91%Q4 ’242.11%Q4 ’25-19%+8%

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 1.22%, down 16 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 0.58% of loans (-26 bps YoY), with net charge-offs at 0.21%.
  • 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 (quarter, annualized)

1.22%-16 bps YoY

Net Interest Margin (quarter, annualized)

3.27%+9 bps YoY

Efficiency Ratio (quarter, annualized)

52.23%+275 bps YoY

Tier 1 Leverage Ratio

9.84%+40 bps YoY

Discrete quarter, annualized.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets1.39%1.39%1.48%1.46%1.22%-16 bps
Return on Equity15.83%15.65%16.07%15.57%12.79%-304 bps
Net Interest Margin3.18%3.21%3.20%3.25%3.27%+9 bps
Efficiency Ratio49.47%49.44%49.88%50.00%52.23%+275 bps
Non-Interest Burden1.24%1.28%1.24%1.26%1.34%+10 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 / Loans0.26%0.20%0.17%0.14%0.21%-5 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