BlastPoint's Banking Scorecard
Synergy Bank
Designations: ✓ Community bank
Houma, LA
10 branches across LA
Synergy Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.21% above tier average
- + Net Interest Margin 0.69% above tier average
- + Efficiency Ratio 11.25% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 30.3% in tier
- - Delinquency Rate 0.88% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+3.2% YoY
+2.2% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
21% |
| Total Loans ? |
$829.1M
+13.3% YoY
+2.1% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
17% |
| Total Deposits ? |
$1.1B
+3.0% YoY
+2.0% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
21% |
| Return on Assets ? |
1.57%
+0.1% YoY
-8.5% QoQ
|
+0.21% |
1.37%
+19.6% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
74% |
| Net Interest Margin ? |
4.51%
+2.2% YoY
-3.7% QoQ
|
+0.69% |
3.82%
+6.9% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
Top 11.5% in tier |
| Efficiency Ratio ? |
49.81%
+2.9% YoY
+4.2% QoQ
|
-11.25% |
61.06%
-4.6% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
79% |
| Delinquency Rate ? |
1.77%
-32.9% YoY
-18.2% QoQ
|
+0.88% |
0.89%
+14.1% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 11.6% in tier |
| Loan-to-Deposit Ratio ? |
76.90%
+10.0% YoY
+0.1% QoQ
|
-7.31% |
84.20%
+0.3% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
25.17%
-0.2% YoY
+3.9% QoQ
|
+3.88% |
21.29%
-2.5% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
72% |
| Nonperforming Asset Ratio ? |
1.25%
-22.5% YoY
-15.3% QoQ
|
+0.58% |
0.67%
+15.6% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 14.6% in tier |
| Tier 1 Capital Ratio ? |
11.06%
+2.5% YoY
+4.1% QoQ
|
-4.10% |
15.16%
+2.0% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.13%
+0.9% YoY
-75.1% QoQ
|
-0.13% |
0.26%
+1.6% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
44% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.