Synergy Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 15.38 percentage points in Q2 2026, from 121.19% to 136.57%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Synergy Bank is 31st of 103 on return on assets, 1.63% as of Q2 2026, above the middle of the field. Synergy Bank reported 1.63% on return on assets for Q2 2026, 0.35 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.26% |
| Equity capital to assets | 13.70% |
| Tangible equity to tangible assets | 11.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.51% |
| Non-performing assets ratio | 1.09% |
| Net charge-off ratio | 0.39% |
| Texas ratio | 12.68% |
| Allowance for credit losses to loans | 2.06% |
| Reserve coverage of non-performing loans | 136.57% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.63% |
| Return on equity | 12.02% |
| Net interest margin | 4.64% |
| Efficiency ratio | 47.57% |
| Yield on earning assets | 6.28% |
| Cost of funds | 1.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.11% |
| Core deposits to total deposits | 86.47% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.21% |
| Securities to assets | 21.74% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.20% | 0.42% | 3.71% | 1.55% | -0.00% |
| Q4 2023 | 10.00% | 1.50% | 4.33% | 1.87% | 0.50% |
| Q1 2024 | 10.58% | 1.69% | 4.11% | 1.77% | 0.08% |
| Q2 2024 | 10.93% | 1.47% | 4.18% | 1.65% | 0.00% |
| Q3 2024 | 11.28% | 1.53% | 4.22% | 2.25% | 0.01% |
| Q4 2024 | 10.33% | 1.48% | 4.21% | 2.36% | -0.01% |
| Q1 2025 | 10.79% | 1.57% | 4.35% | 2.04% | -0.00% |
| Q2 2025 | 11.08% | 1.75% | 4.48% | 2.03% | 0.13% |
| Q3 2025 | 11.54% | 1.89% | 4.83% | 1.47% | -0.06% |
| Q4 2025 | 10.62% | 1.62% | 4.70% | 1.40% | 0.56% |
| Q1 2026 | 11.06% | 1.57% | 4.44% | 1.70% | -0.01% |
| Q2 2026 | 11.26% | 1.63% | 4.64% | 1.51% | 0.39% |
Synergy Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Synergy Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)