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Synergy Bank
Houma, LA · FDIC Certificate #34978 · Chartered 03/1
Total assets
$1.28B
Total deposits
$1.09B
Total equity
$175.74M
Net loans
$857.66M
Branches (offices)
10
Net income (YTD)
$10.12M
Rank: #855 of 4,213 U.S. banks by assets · #13 of 103 in Louisiana. Assets changed 3.2% and deposits 3.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.60% |
| Return on equity | 11.84% |
| Net interest margin (YTD) | 4.62% |
| Equity to assets | 13.70% |
| Tier 1 leverage ratio | 11.26% |
| Uninsured deposits (share of deposits) | 29.0% |
| Noncurrent loans (share of loans) | 2.07% |
| Net charge-offs (share of loans) | 0.19% |
| Loans to deposits | 78.5% |
| Real estate loans (share of loans) | 78.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $671.81M | 78.3% | |
| Commercial & industrial | $158.58M | 18.5% | |
| Consumer / individual | $22.96M | 2.7% | |
| Construction & development | $137.63M | 16.0% | |
| Agricultural | $21.95M | 2.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $856.30M | $773.07M | $6.97M | $80.16M |
| Jun 2023 | $851.59M | $758.36M | $6.16M | $89.52M |
| Jun 2024 | $1.19B | $1.01B | $9.30M | $160.48M |
| Jun 2025 | $1.24B | $1.06B | $10.13M | $169.29M |
| Jun 2026 | $1.28B | $1.09B | $10.12M | $175.74M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Louisiana | $1.09B | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.09B.
Similar-sized banks
Forward Bank ($1.28B) · First Southern National Bank ($1.28B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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