BlastPoint's Banking Scorecard
Synergy Bank
Designations: ✓ Community bank
Houma, LA
10 branches across LA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in LA.
- Deposits +3.2% year over year ($1.1B on the books).
- Delinquency rate 2.11%.
- Return on assets 1.60%.
- Efficiency ratio 48.69% vs a 59.73% peer average.
- Loan-to-deposit ratio 78.46% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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 0.75% above tier average
- + Efficiency Ratio 11.03% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 34.2% in tier
- - Delinquency Rate 1.24% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+3.2% YoY
+1.5% QoQ
|
-$1.5B |
$2.8B
-0.6% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
22% |
| Total Loans ? |
$857.7M
+13.8% YoY
+3.4% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
19% |
| Total Deposits ? |
$1.1B
+3.2% YoY
+1.4% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
1.60%
-3.3% YoY
+2.2% QoQ
|
+0.21% |
1.39%
+17.0% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
74% |
| Net Interest Margin ? |
4.62%
+3.0% YoY
+2.4% QoQ
|
+0.75% |
3.87%
+6.2% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
Top 10.5% in tier |
| Efficiency Ratio ? |
48.69%
+2.1% YoY
-2.3% QoQ
|
-11.03% |
59.73%
-12.6% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
80% |
| Delinquency Rate ? |
2.11%
-25.4% YoY
+19.5% QoQ
|
+1.24% |
0.87%
+11.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 8.2% in tier |
| Loan-to-Deposit Ratio ? |
78.46%
+10.3% YoY
+2.0% QoQ
|
-6.57% |
85.04%
-0.1% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
25.08%
+0.8% YoY
-0.3% QoQ
|
+3.81% |
21.27%
-1.5% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
72% |
| Nonperforming Asset Ratio ? |
1.47%
-16.0% YoY
+18.0% QoQ
|
+0.80% |
0.67%
+11.7% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 10.6% in tier |
| Tier 1 Capital Ratio ? |
11.26%
+1.6% YoY
+1.8% QoQ
|
-3.58% |
14.84%
-0.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.28%
+10.2% YoY
+114.0% QoQ
|
-0.25% |
0.53%
+2.5% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
47% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
25.1%
+0.2pp YoY -0.1pp QoQ |
+3.7pp | 21.4% | 24.6% | 22.2% | 72% |
| Brokered Deposits | n/a | n/a | 9.5% | 6.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.5%
+1.6pp YoY +0.3pp QoQ |
+4.5pp | 14.0% | 12.6% | 12.5% | 77% |
| CRE |
51.4%
+1.8pp YoY -0.2pp QoQ |
+1.4pp | 50.0% | 44.9% | 41.4% | 56% |
| 1-4 Family |
25.6%
-2.4pp YoY -0.8pp QoQ |
-0.8pp | 26.4% | 34.2% | 31.3% | 57% |
| Consumer |
2.7%
-0.2pp YoY +0.6pp QoQ |
-2.0pp | 4.7% | 4.2% | 5.0% | 71% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 22.5% | 19.7% | n/a |
| Leverage Ratio |
11.3%
+0.2pp YoY +0.2pp QoQ |
-0.1pp | 11.3% | 13.4% | 12.6% | 65% |
| Total Capital Ratio | n/a | n/a | 16.7% | 23.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
196
+4 (+2.1%) YoY +3 (+1.6%) QoQ |
-118 | 313 | 114 | 482 | 40% |
| Assets per Employee ($) |
$6.5M
+1.1% YoY 0.0% QoQ |
-$3.9M | $10.5M | $6.8M | $8.8M | 18% |
| Branch Count |
10
0 YoY 0 QoQ |
-10 | 20 | 9 | 18 | 29% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.7%
-0.1pp YoY +0.5pp QoQ |
+0.5pp | 0.2% | 0.4% | 0.4% | 95% |
| Nonaccrual |
1.4%
-0.6pp YoY -0.2pp QoQ |
+0.6pp | 0.8% | 1.4% | 1.0% | 84% |
| Allowance Coverage |
1.00x
+38.0% YoY -16.1% QoQ |
-17.71x | 18.71x | 27.36x | 20.23x | 24% |
| Net Charge-off Rate (YTD) |
0.2%
+0.1pp YoY +0.2pp QoQ |
-0.1pp | 0.3% | 0.1% | 0.2% | 79% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.8%
-0.5pp YoY +0.2pp QoQ |
-0.8pp | 12.6% | 12.5% | 11.6% | 48% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.9% | 1.7% | 1.7% | 36% |
| Net Income ($, YTD) |
$10.1M
-0.2% YoY — QoQ |
-$9.1M | $19.2M | $5.1M | $40.4M | 40% |
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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.