Synergy Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 4.40 percentage points in Q2 2026, from 186.94% to 182.54%. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $875.7M |
| Net loans and leases | $857.7M |
| Loans held for sale | $0 |
| Loans to total assets | 68.26% |
| Loan-to-deposit ratio | 80.11% |
| Net loans to equity capital | 4.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.47% |
| Multifamily (5+ residential) | 3.14% |
| Commercial and industrial | 18.11% |
| Consumer | 2.62% |
| Credit cards | 0.00% |
| Farm | 1.31% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 182.54% |
| Construction concentration (Tier 1 capital + allowance) | 87.29% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.32% |
| Interest income on loans | $15.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $720.9M | $1.04B | 29.82% | 15.62% | 2.62% |
| Q4 2023 | $706.0M | $1.01B | 31.19% | 15.74% | 2.46% |
| Q1 2024 | $713.6M | $1.01B | 31.86% | 15.65% | 2.26% |
| Q2 2024 | $730.0M | $1.01B | 32.06% | 16.91% | 2.84% |
| Q3 2024 | $721.0M | $1.02B | 32.93% | 16.36% | 2.81% |
| Q4 2024 | $718.5M | $1.03B | 33.91% | 15.83% | 2.60% |
| Q1 2025 | $746.7M | $1.05B | 32.82% | 16.73% | 2.43% |
| Q2 2025 | $769.0M | $1.06B | 33.24% | 16.51% | 2.86% |
| Q3 2025 | $817.3M | $1.05B | 31.84% | 17.40% | 2.51% |
| Q4 2025 | $828.4M | $1.06B | 32.25% | 17.69% | 2.29% |
| Q1 2026 | $846.5M | $1.08B | 31.55% | 17.85% | 2.03% |
| Q2 2026 | $875.7M | $1.09B | 31.47% | 18.11% | 2.62% |
Synergy Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Synergy Bank, freeSource: Call Report Schedule RC-C, 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)