SYNERGY BANK

HOUMA, LA | Large | Est. March 10, 1999, midnight | FDIC #34978 | RSSD #2748502 | FDIC
Latest Report: 2025-12-31

SYNERGY BANK is aln large FDIC-insured commercial bank headquartered in HOUMA, LA, established in March 10, 1999, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $1.1B. Profitability stands at 1.64% ROA and 11.90% ROE, with a net interest margin of 4.81%. The bank's CET1 capital ratio is 8.09%. Asset quality metrics show a non-performing loan ratio of 1.30% and a Texas Ratio of 6.30%. FDIC Certificate #34978.

Assets

$1.2B

Deposits

$1.1B

Loans

$828M

Equity

$166M

Profitability

Return on Assets (ROA) 1.64%
Return on Equity (ROE) 11.90%
Net Interest Margin (NIM) 4.81%
Yield on Assets 6.60%
Cost of Funds 1.93%

Asset Quality

NPL Ratio 1.30%
Net Charge-Off Ratio 0.16%
Texas Ratio 6.30%
NPA Ratio 0.93%
ACL / Loans 1.98%

Capital & Liquidity

CET1 Ratio 8.09%
Tier 1 Capital 8.09%
Total Capital Ratio 8.50%
Leverage Ratio 10.62%
Loan-to-Deposit 78.38%

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