BlastPoint's Banking Scorecard
Synergy Bank
Community
Specialty: Commercial
LA
FDIC cert 34978
Houma, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
Synergy Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.02% above tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 35% in Community
- - Delinquency Rate 1.53% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+3.2% YoY
-0.0% QoQ
|
-$154.5M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$812.0M
+15.3% YoY
+1.4% QoQ
|
-$163.5M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$1.1B
+2.9% YoY
+0.9% QoQ
|
-$107.7M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
1.72%
+10.9% YoY
-1.3% QoQ
|
+0.55% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
4.68%
+10.4% YoY
+1.1% QoQ
|
+1.02% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
47.80%
-0.5% YoY
+2.7% QoQ
|
-14.83% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
2.16%
-3.5% YoY
-3.4% QoQ
|
+1.53% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
76.83%
+12.0% YoY
+0.6% QoQ
|
-6.23% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
24.22%
-3.4% YoY
-3.4% QoQ
|
+3.18% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
1.47%
+8.3% YoY
-0.4% QoQ
|
+0.98% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.52%
+1.6% YoY
+30.1% QoQ
|
-0.22% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 9%
in Community
Why this stands out
Current:
4.68%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (2)
Capital Thin
risk
#150 of 432 · Bottom 35% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 8%
in Community
Why this stands out
Current:
2.16%
(Tier avg: 0.63%, National avg: 0.66%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Net Interest Margin
Current: 4.68% · Tier avg: 3.66%
88
88th pctile
Efficiency Ratio
Current: 47.80% · Tier avg: 62.63%
84
84th pctile
Return on Assets
Current: 1.72% · Tier avg: 1.16%
68
68th pctile
Loan-to-Deposit Ratio
Current: 76.83% · Tier avg: 83.06%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.22% · Tier avg: 21.05%
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
61
61th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
58
58th pctile
Total Loans
Current: $812.0M · Tier avg: $975.5M
50
50th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.47% · Tier avg: 0.50%
8
8th pctile
Delinquency Rate
Current: 2.16% · Tier avg: 0.63%
Top Weaknesses
8
8th pctile
Delinquency Rate
Current: 2.16% · Tier avg: 0.63%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.47% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
50
50th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
58
58th pctile
Total Loans
Current: $812.0M · Tier avg: $975.5M
61
61th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.22% · Tier avg: 21.05%
68
68th pctile
Loan-to-Deposit Ratio
Current: 76.83% · Tier avg: 83.06%
84
84th pctile
Return on Assets
Current: 1.72% · Tier avg: 1.16%
88
88th pctile
Efficiency Ratio
Current: 47.80% · Tier avg: 62.63%
91
91th pctile
Net Interest Margin
Current: 4.68% · Tier avg: 3.66%