Synergy Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions dropped 35.8% in Q2 2026, from $81.0M to $52.0M. It was the largest change from Q1 2026 among the key lines here. Synergy Bank ranks 55th of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 80.11% (Q2 2026). Synergy Bank reported 80.11% on loan-to-deposit ratio for Q2 2026, 8.09 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $52.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $330.8M |
| Fed funds sold and reverse repos | $500K |
| Fed funds sold and reverse repos to assets | 0.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $250K |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.11% |
| Net loans and leases to deposits | 78.46% |
| Loans and leases to core deposits | 92.65% |
| Core deposits to total deposits | 86.47% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 69.54% | 91.06% | $250K | $0 |
| Q4 2023 | 70.24% | 88.15% | $250K | $0 |
| Q1 2024 | 70.55% | 87.52% | $250K | $0 |
| Q2 2024 | 72.08% | 87.67% | $250K | $0 |
| Q3 2024 | 70.90% | 87.30% | $250K | $0 |
| Q4 2024 | 69.94% | 88.04% | $250K | $0 |
| Q1 2025 | 71.32% | 88.14% | $250K | $0 |
| Q2 2025 | 72.59% | 87.89% | $250K | $0 |
| Q3 2025 | 78.00% | 87.03% | $250K | $0 |
| Q4 2025 | 78.38% | 86.77% | $250K | $0 |
| Q1 2026 | 78.51% | 87.13% | $250K | $0 |
| Q2 2026 | 80.11% | 86.47% | $250K | $0 |
Synergy Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Synergy Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Synergy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34978) · FFIEC NIC profile (RSSD 2748502)