# SYNERGY BANK
HOUMA, LA · FDIC certificate 34978 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.28B | |
| Deposits | $1.09B | |
| Loans and leases | $875.7M | |
| Total equity | $175.7M | |
| Loans / deposits | 78.46% (p29 of band) | 87.10% |
| Liquid assets / assets | 25.78% (p66 of band) | |
| Uninsured deposits / deposits | 28.99% (p44 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.02% (p14 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.26% (p65 of band) | 10.50% |
| Unrealized securities loss / equity | -6.17% (p57 of band) | -7.75% |
| AOCI / equity | -0.48% (p37 of band) | |
| ROA (annualized) | 1.60% (p74 of band) | 1.26% |
| Net interest margin | 4.62% (p90 of band) | 3.70% |
| Efficiency ratio | 48.69% (p21 of band) | |
| Noncurrent loans | 2.07% (p92 of band) | 0.51% |
| Net charge-offs (annualized) | 0.13% (p78 of band) | |
| Reserve coverage of noncurrent | 99.61% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 78.32% (p78 of band) | |
| Auto loans | $2.5M (0.29% of loans; DQ 0.32%, NCO 0.00%) | |
| Loans to nondepository financials | $146,000 (0% of equity) (p72 of band) | |
| Deposits YoY | 3.2% | |
| Employees | 196 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | construction >100% equity |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | construction >100% equity |
| 2016-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | charge-offs p90 |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | charge-offs p90 | reserve under noncurrent |
| 2018-12 | 1 |  | noncurrent p90 |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 1 |  | charge-offs p90 |
| 2021-09 | 1 | uninsured deposits leaving | capital falling |
| 2021-12 | 0 |  | uninsured deposits leaving |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | securities losses >30% of equity |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 | deposits shrinking | securities losses >30% of equity |
| 2023-06 | 0 |  | deposits shrinking |
| 2023-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | uninsured deposits leaving |  |
| 2024-12 | 2 |  | uninsured deposits leaving |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2026-06 | 2 | noncurrent p90, reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-22 [Synergy Bank announces purchase of land for new Baton Rouge location - The Times of Houma/Thibodaux](https://news.google.com/rss/articles/CBMiowFBVV95cUxPeUZQQUp2U1Nzc0dPZW5vUUc4ZUdieC1STlJNYjl2TlVtQWt1X2xnUWpoLTRMNnNtS1NFQlpxS29QTllWTlpYS1pLbGxqbDV6TllrenFpZHU4Q0FUTEFvdXpMWDdTZENCVmdRcFh6a3RBQ0VZNkVoTnhuZjhQN2pXOGJFZ09MelYxTTZUYW1uSzNzQno2RV9Lc1l5bGM3YTREeE9r?oc=5) · The Times of Houma/Thibodaux
- 2026-04-21 [Louisiana bank buys site for flagship Baton Rouge location in $2.1 million deal - The Advocate](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQeW85bmpFYU41eUkxN1ZEd2VESmhMQWpFREMwNF96SW95SDdXN1RfVnJrQkZTRURJTmtHcTRqUGY5cW5FZXBYU1NkcERLYXFrNEtqQThlaFVDeXFEYmNOQ1Q0WDdEUE1mTmx3Ykg0b3ZGZjF1TGppYkNpb3VpTU8wU28xRFgxTTlmYl93SE1pWDVXZ20tN3BsRnJBb3ZuVF9mMmlTanE2QVVmV2pnUmU3R2s5OFRKWDdjYXBxR1lPdHFkODBON2xlS1RZcUVFMVdwTnMtS1paMVZ0dmRIM1ZXY0g3b2MtY3BaNkJSTmVoWHdadw?oc=5) · The Advocate
- 2025-12-09 [This Louisiana bank is planning to expand its Baton Rouge footprint - Baton Rouge Business Report](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOOHRlUWllcnY5b0N2OGZwQ2gzY2NfRGVyZW9nLVVnNDR1X3pVYklZNlRvcW5iQ0twdUU4ZHdfMi1QRUV2Q2lfbWxqd2g1bC1yVU05VjRteklOM2llRjQ4SHZ4d0ZDQWRkTjdsRU9Rd2dLdVJJemx1a2tZODJoejhzdUJwcldIYjJ0eG16VlItSHhkYUc4YWU1R29XaDFBQmNTYXdkdk5OU19BX2PSAbMBQVVfeXFMUGh5ZHBJeWtucUFnelZQMnowYVM3WGVqeVN2NkYwUzNYOTNTRFB3cEhEamVjbXJGRDlFWkcxbHAyZDBWWWpYRDZSUHV6b24yc3VLaVh0VkNNUk5uWGY3RXFtNUQyRDFDTk1DczRwWkt1ZEd3b0NlVVR0dnZIQmU0RnBxLUNuczBFbERZbHZBdTJxTmNDLXZERXE1WFF1TkxMb2FkY0pwdkRnekdEcWpId2o4S3c?oc=5) · Baton Rouge Business Report
- 2026-07-09 [Eighty-eight rising bank leaders advance knowledge at Louisiana Tech's School of Banking - Louisiana Tech University](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQdnN2TEdIRENHV2NHZnNXSnFFMmQ0b1ZfM0cwSzNrdHZLeWkyZGJsd1dsaENMclUxdzNZX1F4UzRRVHZWR2wwYVY2TklEZmZ3NV94X3RmWHBIVWFZSlBuSEtaaHBheDZsUVNsOExfa000X1ppTU05TXIyeWk0WjB6S1dWWXJQNVpMTHRMSjRubEpTME5NOEdia0FnVEZ4cWdrSzlRTmMtQnVUVHZHcmNEd0lYQUFYczFLWk04?oc=5) · Louisiana Tech University
- 2023-12-29 [Synergy Bank (LA) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMifkFVX3lxTFBuZ0o5MFZDc2xmTWxTbVc5LVgyakNQNkRuUjkteTZOZ1pBNmNfN1JyWXJGOS1paWllSlRBUVZwMlFPTXoyaU1id2hLZjN1QmkwYm9hYjBYdEl1VkgwZjh4dzFwYjdVcVpVQTVybzFDVDFlZHFZem9zUUVsSVNpQQ?oc=5) · SmartAsset
- 2021-05-10 [Synergy Bank President Jerry Ledet to deliver commencement address at Fletcher Community College - Houma Today](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOdTVCR25BSklHMDEwLXE1a19qRGg4TW5rd1BCc1RuZTRaNklMM1hIczNDQzBBRWNnNTRESE1wcXpnWUVfMXF3RUhhRHVYYWtoTU91QTk5aUt4ejJibnpScVM5cUVzN2M3X05qdHJNX1dqWWpiRmNBU1NubDFvUVdMR2dvam56Z2FzbUJDMVpmVjEwZGxyWFJyOHVneG5WZk14VGR6eFJCMnA1RENGUHVKT3NMbXVUN0prSU44dC1XXzlCeVlFVlNXa1F1amVOdkFmRWJBZFhlZW8xZFVjRWMtSWdJY0lTUQ?oc=5) · Houma Today
- 2026-07-08 [12th annual Pack the Bus School Supply Drive: See the list of drop-off locations in Lafourche, Terrebonne Parish - The Lafourche Gazette](https://news.google.com/rss/articles/CBMihwJBVV95cUxOWThReHhaOE5CN2NpQWI3ZjFxSnNNeG9aQ0dyR3BwRlhjVXRuVjJYeGRYZWJtMTBPR1lPOEVzUng3czB3Y204cGpYX0gxOUtoSzh6S3B1VlRpdGx4eFNKbDB5eThyNThtVHkzRnlEZlRDenJ1S1R3aGhIMWNzVGtvWE9xbG9nWHI1bzI0NmhERi0tRFRoZTgwNHZ0SHpQejh6T1ZxcndBRHkzYVdnQjhramVBaG9kMm5zWHFtZEJOdGpmYlotOXRYOExiUGFndzlfZnI0Y0VJMGlCRlNzekZsbjdtdlJVeUNuV3d5UHNmZ2lXalItOTZMcXpBbjRPZU1JODdrNkJQYw?oc=5) · The Lafourche Gazette
- 2025-06-20 [83 rising bank leader advance knowledge at LA Tech’s School of Banking - Lincoln Parish Journal](https://news.google.com/rss/articles/CBMitAFBVV95cUxNWUI2Q1JpUmZuWm5STUVTZVdjMkdTNGQyT2hQeFpQdzNKa3AwdG9nMGZMbUw4bTJOZXNZQVljYm9BR0psTEF4OTlkYXpuTlh0OFE4NnBUR1RuMmN2Wkt4ajd3dVZ0RVJlY24za3RSdUFIRXgxMk9Xb2ZlQUZMYm5sZjVXVl9RWmVRUjN2c3FyZXhuVVY5NG1qNHJ6enN3Y2pnZjdCZEE3YVYzUElYTTVlX3VlUnk?oc=5) · Lincoln Parish Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34978 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "34978", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide