Synergy Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Synergy Bank of Houma, LA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.63% | 1.44% | +0.19% | 73rd above |
| ROAE | 12.02% | 12.50% | -0.48% | 48th below |
| Net Interest Margin | 4.64% | 3.84% | +0.80% | 91st top |
| Efficiency Ratio | 47.57% | 58.88% | -11.31% | 81st top |
| PPNR / Avg Assets | 2.52% | 1.78% | +0.74% | 89th top |
| Yield on Earning Assets | 6.28% | 5.71% | +0.57% | 84th top |
| Cost of Funds | 1.80% | 2.03% | -0.23% | 62nd above |
| Net Interest Spread | 3.87% | 3.18% | +0.69% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.51% | 0.96% | +0.55% | 18th bottom |
| NPA / Total Assets | 1.09% | 0.75% | +0.34% | 21st bottom |
| NCO / Avg Loans | 0.39% | 0.31% | +0.08% | 12th bottom |
| ACL / Total Loans | 2.06% | 1.25% | +0.81% | 96th top |
| ACL / NPLs (Coverage) | 136.57% | 699.46% | -562.89% | 41st below |
| Texas Ratio | 12.68% | 7.16% | +5.52% | 16th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 301.73% | 815.21% | -513.48% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.26% | 11.60% | -0.34% | 66th above |
| Equity / Assets | 13.70% | 11.33% | +2.37% | 88th top |
| TCE / Tangible Assets | 11.11% | 10.65% | +0.46% | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.11% | 86.36% | -6.25% | 71st above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.47% | 85.56% | +0.91% | 39th below |
| Uninsured Deposit Ratio | 28.99% | 32.71% | -3.72% | 57th above |
| Wholesale Funding Ratio | 0.02% | 5.46% | -5.44% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.23% | 10.46% | -7.23% | 36th below |
| Loan Growth (Y/Y) | 13.87% | 7.99% | +5.88% | 84th top |
| Deposit Growth (Y/Y) | 3.17% | 7.98% | -4.81% | 38th below |
See Synergy Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Synergy Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Synergy Bank profile, how to read a UBPR, or how this data updates.