Synergy Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Net interest margin rose 0.20 percentage points from Q1 2026 to Q2 2026, ending at 4.64% against 4.44%. It was the largest change among the key lines on this page. Within Louisiana, Synergy Bank is 26th of 103 on net interest margin, 4.64% as of Q2 2026, above the middle of the field. Synergy Bank reported 4.64% on net interest margin for Q2 2026, 0.93 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.28% |
| Yield on loans | 7.32% |
| Yield on securities | 3.62% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | 1.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.64% |
| Yield to cost spread | 3.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.6M |
| Total interest expense | $4.9M |
| Interest expense on deposits | $4.9M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.87% | 1.26% | 3.71% | 6.47% | 1.77% |
| Q4 2023 | 5.75% | 1.52% | 4.33% | 7.42% | 1.93% |
| Q1 2024 | 5.75% | 1.76% | 4.11% | 7.36% | 2.13% |
| Q2 2024 | 5.94% | 1.91% | 4.18% | 7.49% | 2.40% |
| Q3 2024 | 6.14% | 2.08% | 4.22% | 7.63% | 2.60% |
| Q4 2024 | 6.08% | 2.06% | 4.21% | 7.57% | 2.99% |
| Q1 2025 | 6.10% | 1.90% | 4.35% | 7.45% | 3.38% |
| Q2 2025 | 6.22% | 1.90% | 4.48% | 7.44% | 3.61% |
| Q3 2025 | 6.58% | 1.92% | 4.83% | 7.82% | 3.71% |
| Q4 2025 | 6.43% | 1.93% | 4.70% | 7.57% | 3.65% |
| Q1 2026 | 6.12% | 1.82% | 4.44% | 7.11% | 3.58% |
| Q2 2026 | 6.28% | 1.80% | 4.64% | 7.32% | 3.62% |
Synergy Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Synergy Bank, freeSource: Call Report Schedules RI and RC-K, 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)