Synergy Bank
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Data as of · sourced from FFIEC call reports. How we update
Synergy Bank is an FDIC-insured commercial bank headquartered in Houma, LA, established in 1999 (FDIC certificate 34978), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.28B, up 3.2% from Q2 2025, the 13th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.26% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34978
- Headquarters
- Houma, LA
- Established
- 1999
- Total assets, Q2 2026
- $1.28B
- Assets vs Q2 2025
- +3.2%
- Tier 1 leverage ratio, Q2 2026
- 11.26%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 065405297
- Holding company
- SYNERGY BANCSHARES, INC.
- Asset rank in state
- 13th of 102 in Louisiana
Synergy Bank earns an unusually wide margin on its lending. Its balance sheet stood at $1.3 billion at June 30, 2026, up 3.2% from a year earlier; it is based in Houma, Louisiana. It keeps 4.64 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it carries problem assets equal to 12.1% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 13.9% and deposits rose 3.2%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 2.07% of loans, down from 2.77% a year earlier. One more trend to watch: the non-owner-occupied commercial real estate book ($123 million) is worsening: 2.40% of it is past due or on nonaccrual, up from 1.05% a year earlier.
As of June 30, 2026, Synergy Bank reported a return on assets of 1.63%, a nonperforming-loan ratio of 2.07% and a Texas ratio of 12.09%. The figures come from its call report filed with the FFIEC.
Synergy Bank ranks as the 13th largest of the 102 banks based in Louisiana, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.5% to $1.28B, loans rose 3.5% and deposits rose 1.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 25.1% of total loans, ahead of commercial and industrial loans at 18.1%. The FDIC Summary of Deposits lists 10 offices for it, in 6 cities in LA; its Houma 3 offices book 51% of its branch deposits. By the capital ratios in its Q2 2026 call report, Synergy Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 210 Synergy Center Blvd, Houma, LA 70360
- County
- Terrebonne
- Metro Area
- Houma-Bayou Cane-Thibodaux, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 10, 1999
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 196
- Domestic deposits
- $1.09B
- Allowance for credit losses
- $18.0M
- Net charge-offs (YTD)
- $811K
- Average total assets
- $1.28B
- Average total loans
- $853.4M
- Average interest-bearing deposits
- $813.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 10, 1999
- FDIC Cert
- 34978
- Fed RSSD
- 2748502
- SEC CIK
- 1491302 → filed by SYNERGY BANCSHARES, INC.
- Website
- www.synergybank.com →
- Parent Holding Company
- SYNERGY BANCSHARES, INC. (RSSD 2748490)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Synergy Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Synergy Bank's total assets ran between $1.17B (Q4 2023) and $1.28B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.28B total assets against $1.24B; $1.11B total liabilities against $1.07B.
$857.7M net loans and leases against $753.6M; $1.09B total deposits against $1.06B.
$278.9M securities against $297.0M; $52.0M cash and balances due against $103.6M.
$18.7M total interest income against $17.8M; $4.9M total interest expense against $5.0M.
$13.8M net interest income against $12.8M.
$1.9M total noninterest income against $1.5M; $7.6M total noninterest expense against $6.9M.
$1.5M provision for credit losses against $600K.
$5.2M net income against $5.4M.
1.63% return on assets against 1.75%; 4.64% net interest margin against 4.48%.
11.26% tier 1 leverage ratio against 11.08%.
Inside the full Synergy Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSynergy Bank rankings
Its closest position to the top of a national ranking is 470 of 3,640, for Texas Ratio; its furthest is 576 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.48% (Q4 2024) to 1.89% (Q3 2025) and its net interest margin ran from 4.21% (Q4 2024) to 4.83% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.26% | 1.63% | 2.07% | 12.09% | 4.64% |
| Q1 2026 | 11.06% | 1.57% | 1.73% | 10.48% | 4.44% |
| Q4 2025 | 10.62% | 1.62% | 2.12% | 12.57% | 4.70% |
| Q3 2025 | 11.54% | 1.89% | 2.19% | 11.85% | 4.83% |
| Q2 2025 | 11.08% | 1.75% | 2.77% | 14.87% | 4.48% |
| Q1 2025 | 10.79% | 1.57% | 2.58% | 14.07% | 4.35% |
| Q4 2024 | 10.33% | 1.48% | 2.20% | 12.19% | 4.21% |
| Q3 2024 | 11.28% | 1.53% | 2.32% | 12.32% | 4.22% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Synergy Bank (main office) | Houma , LA | 70360 | $284.1M |
| Tunnel Office Branch | Houma , LA | 70360 | $188.1M |
| New Roads Branch | New Roads , LA | 70760 | $163.6M |
| Bayou Road Office | Thibodaux , LA | 70301 | $149.9M |
| East Houma Office | Houma , LA | 70363 | $86.0M |
| South Acadia Office | Thibodaux , LA | 70301 | $83.8M |
| Gray Office Branch | Gray , LA | 70359 | $47.8M |
| Livonia Branch | Livonia , LA | 70755 | $43.3M |
| Jefferson Highway Branch | Baton Rouge , LA | 70817 | $23.7M |
| Central Branch | Baton Rouge , LA | 70818 | $22.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 19, 2023 | Structure Change | Acquired The Peoples Bank and Trust Company of Pointe Coupee Parish, Louisiana Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 18, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in LA, rank 21 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.1M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Synergy Bank
What are Synergy Bank's total assets?
As of the Q2 2026 filing, Synergy Bank reported total assets of $1.28 billion in its FFIEC call report.
Where is Synergy Bank headquartered?
It is headquartered in Houma, LA, United States.
When was Synergy Bank founded?
It was established in 1999, per the FDIC institution directory.
Is Synergy Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34978). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Synergy Bank?
Synergy Bank's primary federal regulator is the FDIC.
How many branches does Synergy Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Synergy Bank's Texas Ratio?
Its Texas Ratio is 12.09% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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