# SYNOVUS BANK
COLUMBUS, GA · FDIC certificate 873 · asset band $10-100B · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *lender to lenders*. 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 | $61.20B | |
| Deposits | $51.91B | |
| Loans and leases | $44.73B | |
| Total equity | $5.85B | |
| Loans / deposits | 85.24% (p54 of band) | 83.94% |
| Liquid assets / assets | 20.12% (p34 of band) | |
| Uninsured deposits / deposits | 50.83% (p84 of band) | 37.91% |
| Brokered deposits | 8.91% | |
| Wholesale funding | 11.35% (p70 of band) | |
| FHLB advances / assets | 1.23% | |
| Tier 1 leverage | 9.84% (p49 of band) | 9.90% |
| Unrealized securities loss / equity | -4.40% (p66 of band) | -7.22% |
| AOCI / equity | 5.86% (p84 of band) | |
| ROA (annualized) | 1.39% (p73 of band) | 1.09% |
| Net interest margin | 3.50% (p59 of band) | 3.39% |
| Efficiency ratio | 50.41% (p34 of band) | |
| Noncurrent loans | 0.58% (p48 of band) | 0.61% |
| Net charge-offs (annualized) | 0.13% (p55 of band) | |
| Reserve coverage of noncurrent | 183.44% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 34.43% (p56 of band) | |
| Auto loans | $9.2M (0.02% of loans; DQ 33.42%, NCO 0.00%) | |
| Loans to nondepository financials | $5.21B (89% of equity) (p89 of band) | |
| Deposits YoY | -0.2% | |
| Employees | 4667 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, losing money, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  | brokered >10% |
| 2011-09 | 3 |  | wholesale funding >15% |
| 2011-12 | 1 |  | losing money, construction >100% equity |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | assets shrinking |  |
| 2012-09 | 3 | deposits shrinking |  |
| 2012-12 | 2 | charge-offs p90 | assets shrinking, deposits shrinking |
| 2013-03 | 2 | deposits shrinking | charge-offs p90 |
| 2013-06 | 1 |  | deposits shrinking |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | wholesale funding >15% |  |
| 2020-06 | 1 | capital falling | wholesale funding >15% |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | uninsured deposits >50% |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity | uninsured deposits >50% |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 3 | wholesale funding >15% |  |
| 2023-03 | 3 | brokered >10% | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | wholesale funding >15% |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 2 | securities losses >30% of equity, charge-offs p90 | brokered >10% |
| 2024-06 | 0 |  | securities losses >30% of equity, charge-offs p90 |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | uninsured deposits >50% |  |
| 2025-03 | 2 | loans-to-lenders >50% equity |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |

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

- 2026-07-20 [Emery Johnson named financial advisor at Pinnacle Financial Partners in Rome - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMizwFBVV95cUxNT3JnTDJjTUs0OVVKdjQyYkxGVG8wZDdRSGFlQkI5TnpSYklZamRVT2lNMjlwaV9uYl8xNUVWZkwzV2h0bWFzdG5EM3hXcXRNVnRxeWJ2ZUF3bmlyRzJPa2FTWURSYWZXVHllMUFDcF9fTTdiZTNQZldFYTJYalhZeVByMzJVZG1PTng3TEhablN2SFhyWVRRZU5FV1JKN0JJaDloNGVjNTVhQUlOeUtYYUhhbkt6R3pXY1BSOHRqaklHbVZuSC1xd25TZXZrdVE?oc=5) · Pinnacle Financial Partners
- 2026-08-10 [Kevin Blair on Georgia Business Banking and Synovus Growth - Atlanta Magazine](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOa3JBTzlYcDgwUm85d1lQUElGdEU0T081VWZqS0dzR3NoV2NsVy1XRXpuS0gwT1A1SE9ZMnU1WlkwRHJ3NzFQNGhZTzI0ZVM4dWtkVEFNb2U3LURCV0NFTHNmc1B6YXh1UG9vd1ZVQXNfdFJJTEx0em5Eb3czeWo4ZS1qNU5ra2lMY3gw?oc=5) · Atlanta Magazine
- 2026-06-08 [Two men plead guilty ahead of Synovus bank fraud trial set to begin in July - WRBL](https://news.google.com/rss/articles/CBMipAFBVV95cUxQU2NpQy1fNDJnV2VEaGlodmg2SVE1UER6U0l0N3VMWUFPSG5pT0RJVEEtSDVROUJ4LTdvNTA0MTVkMjN6MzhYOEpIdEowbkk2SzBxd0pNaWd4eDNLaC01Vi1aYnQ3ZmlDRklKU0VrYzlZWEFsZnR6Nnlqb29JVndhcGoweXpTbXlqRmxZZnAzbGd0TDlpQ2FGOElzd3NCUndkM3lFN9IBqgFBVV95cUxOSmI4aDNLcnFMWXkzbnZNdnBNT2hiVF9sUjJGRU5YMzBPQUc4VlhBUVQ0LXFjdGNKVTh1Y1pWN3dpY2pmVE1KWGxOYldmYW51QnFPMGRyLWN2TEt5c0c4N2dueUJFSXdOUE9xUzBiUkZreHZ0VUtQbVpUSTZwVDRyZXJNZmZjNGFXYlluc0dxN201X291Vmw5OVFUbkRPc1ZQMVNVU2U4NlBvQQ?oc=5) · WRBL
- 2026-01-05 [Pinnacle Completes Merger with Synovus to Create $117bn Bank - Banking Exchange](https://news.google.com/rss/articles/CBMisgFBVV95cUxOeE51MmJoNTZncTAtU3lfdVJ5MUdkLUkwWGQ1ajVlekRXVXBQaktPU1JNeGJ2Vml0Y3cxdXctTXkxZnE1Q1JFaWRmN2VWZ2xQNS1SZlZNVnVuZzgxZFpURTNhLWZzMjVucXN4TzkyWGdxU1ZTRWlIQlA2LXpOUjZoLW9ib2dLWmhrc0ZrbTd4Mm1hVG55SHdNbXZkbEVGTGI2bUlvX2h3dFVuYmVtYkhZZEZR?oc=5) · Banking Exchange
- 2026-05-05 [Pinnacle’s first post-Synovus earnings beat forecasts. What fueled the success? - Columbus Ledger-Enquirer](https://news.google.com/rss/articles/CBMidkFVX3lxTFA0cDhzV2pKOTFoY0UwNE5uWUxDYUxlY1ZqWVk5RVZ0MExjc2dNbGRsb2REeFdqUjJmOVNSaDg1Y2NZLU5oUTJmRUpNdTNqN05CNkVaSC1FS043dE9RTUxsNUpKZk5uQ1dIdndwYnR4bXdLcENVUHfSAXZBVV95cUxOOGoyMHVqSzZiNWk3QWU3dEJMYWhSSzRrLWw1Zm9MZGRFVmprQ2wxVkktcWhTUFdQZzNkLVZRYWY4NHFEWFVITkVaazdpY1VpRnlxQUpzRGh2R1BIemJTQ0dsUVJkbGdqYU5sUHIwMXNVT3BOTzN3?oc=5) · Columbus Ledger-Enquirer
- 2026-01-02 [Synovus Financial Corp. completes $8.6 billion merger with Nashville bank - Atlanta Business Chronicle - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxNU2FPNDk2eVEzZWZqS2w1c0lRNjltam1aOVdhS0F6alkwYTVGOUtjb2VYZnhTdE5ocDM4ckNhX2RRTGZXSTBnRkFUNGxRVUZEYmVNZy1DelRod1BfNHBUaERONUxGdEFXQldYN0xxM2pUalVxZDZTRXpjWEQtSXZlak9vcnJKbXZBWWJsa2NXVjdXN3M0?oc=5) · The Business Journals
- 2025-11-26 [Fed approves Pinnacle, Synovus merger - Banking Dive](https://news.google.com/rss/articles/CBMiigFBVV95cUxOczV6eXAzemN6VDN0UHhBVFRBSDlmQzVaRlliQnlmdFUxUlVyT2stbUw3M0JGX29uWm9WYTR3MnBsM3FWN0w5WW1mZ3VneWJQMF80bG1OandZVHVkS0ZJQXhwZElkdlRuc3JEazY1S0hYTUdjYmZRakpXVFUyZ0dVVVhZS050dmdmU2c?oc=5) · Banking Dive
- 2025-10-20 [Pinnacle and Synovus name local banking leaders for Georgia markets, including Wiggins as Statesboro leader - Grice Connect](https://news.google.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?oc=5) · Grice Connect

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=873 (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/41.json (key "873", 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