Synergy Bank (FDIC #34978): Bank Stress & Real-Estate Credit Exposure
Synergy Bank (FDIC Cert #34978): bank stress 45/100, moderate, STABLE over 7 days; parent SYNERGY BANCSHARES INC.
Synergy Bank (#34978) lends in 4 counties across 1 state; Synergy Bank (#34978) reaches 68 ZIP codes: Louisiana 4 counties, 68 ZIPs.
Synergy Bank (#34978) largest markets: East Baton Rouge County, LA (56 branches, 28 ZIPs) (#34978), Pointe Coupee County, LA (34 branches, 17 ZIPs) (#34978), Lafourche County, LA (30 branches, 15 ZIPs) (#34978), Terrebonne County, LA (52 branches, 13 ZIPs) (#34978).
Synergy Bank (#34978) reports $1.28 billion in total assets; Synergy Bank (#34978) equity $175.7 million (13.7% of Synergy Bank (#34978) assets); Synergy Bank (#34978) domestic deposits $1.09 billion; Synergy Bank (#34978) net income $10.1 million; Synergy Bank (#34978) return on assets 1.60%; Synergy Bank (#34978) return on equity 11.84%; Synergy Bank (#34978) net interest income $26.7 million; Synergy Bank (#34978) call report June 30, 2026.
Synergy Bank (#34978) noncurrent real-estate loans 0.20% of its book; Synergy Bank (#34978) net charge-offs on real estate 2.43%; Synergy Bank (#34978) multifamily charge-offs 0.23%; Synergy Bank (#34978) residential charge-offs 1.77%.
Synergy Bank (#34978) net interest margin 4.62% against an eight-quarter Synergy Bank (#34978) average of 4.47% (Synergy Bank (#34978) compression -0.14 points); Synergy Bank (#34978) real-estate loans 19.6% of equity; Synergy Bank (#34978) non-residential real estate 176.7% of equity; Synergy Bank (#34978) rate-exposure score 40/100, Synergy Bank (#34978) fixed-rate trap 40/100; Synergy Bank (#34978) risk type credit driven; Synergy Bank (#34978) rate regime rates elevated, Synergy Bank (#34978) snapshot October 20, 2026.
Synergy Bank (#34978) stress score moved from 45.3 on June 22, 2026 to 45.4 on October 20, 2026; Synergy Bank (#34978) ranged 45.3 to 45.4 over 117 snapshots.
Synergy Bank (#34978) alerts: 4 counties; top Synergy Bank (#34978) alert scores: Baton Rouge County, LA 17 (low); Houma County, LA 17 (low); New Roads County, LA 17 (low); Thibodaux County, LA 17 (low).