FDIC Cert #34978 · Houma, Louisiana · Est. 1999

Synergy Bank - FDIC Bank Health Profile

A community-scale look at Synergy Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.2B
Total assets
A
Health grade · Excellent
1.72%
Return on assets
10.6%
Tier 1 capital

Data updated July 2026

The verdict

Synergy Bank earns a PlainBankData health grade of A (84/100), with well-capitalized at 10.62% Tier 1, profitable at 1.72% ROA, efficient (48% cost ratio).

#878
largest of 4,313 FDIC banks by assets
80th
percentile by asset size, nationally
10.62%
Tier 1 ratio - above the 10% well-capitalized line
83rd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 34978 · LA A · 84/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (84/100)
  • MID-PACK #1421/4307
  • PHOTO-FINISH 1st Colonial Communi… · NJ
  • TIER1-WELL 10.6% Tier 1
  • TEXAS-CLEAN 9.6% Texas
  • ROA-STRONG 1.72% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Louisiana: 1st Colonial Community Bank, NJ (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Synergy Bank

Lowest and highest poles plus nearest scored peers outside Louisiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/1001st Colonial Communi… · NJ ·…84/100Angelina Savings Ban… · TX ·…84/100Preferred Bank · CA · near84/100Shelby Savings Bank,… · TX ·…84/100Synergy Bank · LA · this bank84/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Synergy Bank · July 2026

What Synergy Bank's Call Report plate shows

Synergy Bank (FDIC Cert #34978) carries a PlainBankData health grade of A at 84/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,421 of 4,307. Tier 1 capital prints at 10.62%, clearing the 10% well-capitalized line. The Texas Ratio is 9.59%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.72%. Balance-sheet scale is $1.2B, 878th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is 1st Colonial Community Bank (NJ), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Synergy Bank

4 FAILURE resolutions in Louisiana since 2000 (3 since 2008)

Synergy Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Synergy Bank remains an active FDIC-insured reporter.

  • FIRST NBC BANK NEW ORLEANS, LA 2017 → WHITNEY BANK
  • CENTRAL PROGRESSIVE BANK LACOMBE, LA 2011 → FIRST NBC BANK
  • STATEWIDE BANK COVINGTON, LA 2010 → HOME BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Louisiana banks.

How Synergy Bank's 84/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10084/100
Synergy Bank's composite health score
Tier 1 Capital Ratio (10.62%) 28/40
Return on Assets (ROA) (1.72%) 25/25
Texas Ratio (9.59%) 16/20
Efficiency Ratio (47.80%) 15/15

84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.2B

Total balance-sheet footings

Total Deposits

$1.1B

Customer-funded liabilities

Net Loans

$812M

Outstanding loan book

Net Income

$21M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.22% 10.62% 12.02%
Basel III capital ratios - Synergy Bank

Where Synergy Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Synergy Bank's score of 84/100 falls in the highlighted band.

Synergy Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

84 Top 33% higher than 67% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Synergy Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Synergy Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Synergy Bank's $1.2B falls in the highlighted band.

Safety ratios for Synergy Bank

Tier 1 capital ratio
Well-capitalized 10%

10.62% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.62%
Texas Ratio
9.59%
Equity Capital
$166M

What these ratios mean →

Earnings posture at Synergy Bank

Return on Assets (ROA)
83rd percentile nationally
1.72%
Return on Equity (ROE)
12.65%
Efficiency Ratio
47.80%

What these mean →

Income & expense at Synergy Bank

$73M
Interest Income
$6M
Non-Interest Income
$29M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Synergy Bank reports a Texas Ratio of 9.59% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

9.59% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Synergy Bank on FDIC BankFind →

Top banks in Louisiana by total assets

Largest banks headquartered in Louisiana
  1. 1
    Origin Bank $9.6B

    Choudrant, LA · Grade B

  2. 2
    b1BANK $8.2B

    Baton Rouge, LA · Grade A

  3. 3
    First Guaranty Bank $4.1B

    Hammond, LA · Grade C

  4. 4
    Gulf Coast Bank and Trust Company $3.6B

    New Orleans, LA · Grade B

  5. 5
    Home Bank $3.5B

    Lafayette, LA · Grade A

Top 5 banks in Louisiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.2B here), outside Louisiana so the neighborhood is not state containment.

The Richwood Banking Company $1.2B · OH Southwest Missouri Bank $1.2B · MO Reading Co-operative Bank $1.2B · MA Studio Bank $1.2B · TN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Synergy Bank (FDIC Cert #34978) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Synergy Bank Call Report profile · FDIC Failed Bank List · Louisiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Louisiana

All Louisiana banks →
BankAssetsGradeROA
Origin BankChoudrant $9.6B B 0.76%
b1BANKBaton Rouge $8.2B A 1.23%
First Guaranty BankHammond $4.1B C -1.33%
Gulf Coast Bank and Trust CompanyNew Orleans $3.6B B 1.15%
Home Bank, National AssociationLafayette $3.5B A 1.41%
Red River BankAlexandria $3.3B A 1.36%
Investar Bank, National AssociationBaton Rouge $2.8B B 0.89%
Bonvenu Bank, National AssociationBossier City $1.6B B 0.54%