Synergy Bank: how it compares with its peers
Against 24 LA banks with half to twice its assets, Synergy Bank's strongest measure in Q2 2026 is efficiency ratio (48.69% vs. a 65.75% peer median). Its weakest relative measure is assets per employee ($6.5M vs. $6.1M).
| Measure | Synergy Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.60% | 1.33% | Middle third Ahead of 63% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.62% | 4.20% | Top third Ahead of 79% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.69% | 65.75% | Top third Ahead of 92% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $6.1M | Middle third Ahead of 58% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.46% | 78.80% | Context |
What it means for lending operations
Its efficiency ratio of 48.69% is better than the 65.75% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Jonesboro State Bank Jonesboro, LA · $1.30B
- JD Bank Jennings, LA · $1.26B
- FIDELITY BANK New Orleans, LA · $1.23B
- Sabine State Bank and Trust Company Many, LA · $1.35B
- First American Bank and Trust Vacherie, LA · $1.38B
- First Federal Bank of Louisiana Lake Charles, LA · $1.15B
Questions about Synergy Bank
How big is Synergy Bank?
Synergy Bank, established in 1999, is headquartered in Houma, LA. It reported $1.28B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Synergy Bank's return on assets?
1.60% annualized in Q2 2026, against a 1.33% median for 24 LA banks with half to twice its assets, ahead of 63% of them.
What is Synergy Bank's efficiency ratio?
48.69% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 65.75%, and lower is better.
Is Synergy Bank growing its loans?
Net loans grew 13.8% over the year to Q2 2026, while deposits grew 3.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are LA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Louisiana bank ranked.