Synovus Trust Company, N.A.: 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.
The standout move of Q2 2026 was in Return on assets: 5.47 percentage points higher than in Q1 2026, at 13.14%. Synovus Trust Company, N.A.'s return on assets of 13.14% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 11.89 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 115.13% |
| Tier 1 risk-based capital ratio | 115.13% |
| Total risk-based capital ratio | 115.13% |
| Tier 1 leverage ratio | 97.11% |
| Equity capital to assets | 95.12% |
| Tangible equity to tangible assets | 95.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 13.14% |
| Return on equity | 13.66% |
| Net interest margin | 1.24% |
| Efficiency ratio | 64.27% |
| Yield on earning assets | 1.24% |
| Cost of funds | — |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | — |
| Core deposits to total deposits | — |
| Brokered deposits to total deposits | — |
| Deposits to assets | 0.00% |
| Securities to assets | 14.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 120.26% | 120.26% | 120.26% | 97.27% | 11.26% |
| Q4 2023 | 120.57% | 120.57% | 120.57% | 94.78% | 13.47% |
| Q1 2024 | 126.83% | 126.83% | 126.83% | 98.60% | 10.16% |
| Q2 2024 | 120.10% | 120.10% | 120.10% | 96.98% | 13.86% |
| Q3 2024 | 116.80% | 116.80% | 116.80% | 95.53% | 13.91% |
| Q4 2024 | 114.69% | 114.69% | 114.69% | 93.76% | 16.87% |
| Q1 2025 | 119.94% | 119.94% | 119.94% | 98.69% | 13.22% |
| Q2 2025 | 118.20% | 118.20% | 118.20% | 97.39% | 12.26% |
| Q3 2025 | 116.08% | 116.08% | 116.08% | 96.73% | 14.84% |
| Q4 2025 | 114.39% | 114.39% | 114.39% | 97.13% | 18.75% |
| Q1 2026 | 116.30% | 116.30% | 116.30% | 88.27% | 7.68% |
| Q2 2026 | 115.13% | 115.13% | 115.13% | 97.11% | 13.14% |
Synovus Trust Company, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Synovus Trust Company, N.A., 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 Synovus Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2262718)