Headquartered in Houma, Louisiana, Synergy Bank is a state-chartered bank with $1.3B in total assets and $1.1B in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1999.
Synergy Bank has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 897 banks with $1 billion – $10 billion. Among 104 banks headquartered in Louisiana, it ranks 75th. Earnings contributes the most (84/100, 1.60%); loan quality contributes the least (31/100, 2.07%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (56 → 61), mostly because the loan quality component improved by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 62 |
| Q4 2024 | 59 |
| Q1 2025 | 57 |
| Q2 2025 | 56 |
| Q3 2025 | 63 |
| Q4 2025 | 60 |
| Q1 2026 | 64 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.93% |
| Q3 2024 | 11.28% |
| Q4 2024 | 10.33% |
| Q1 2025 | 10.79% |
| Q2 2025 | 11.08% |
| Q3 2025 | 11.54% |
| Q4 2025 | 10.62% |
| Q1 2026 | 11.06% |
| Q2 2026 | 11.26% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.52% |
| Q3 2024 | 2.32% |
| Q4 2024 | 2.20% |
| Q1 2025 | 2.58% |
| Q2 2025 | 2.77% |
| Q3 2025 | 2.19% |
| Q4 2025 | 2.12% |
| Q1 2026 | 1.73% |
| Q2 2026 | 2.07% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.58% |
| Q3 2024 | 1.56% |
| Q4 2024 | 1.55% |
| Q1 2025 | 1.57% |
| Q2 2025 | 1.66% |
| Q3 2025 | 1.74% |
| Q4 2025 | 1.72% |
| Q1 2026 | 1.57% |
| Q2 2026 | 1.60% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $1.3B | 11.26% | 2.07% | 1.60% | 78.5% |
| Q1 2026 | 64 | $1.3B | 11.06% | 1.73% | 1.57% | 76.9% |
| Q4 2025 | 60 | $1.2B | 10.62% | 2.12% | 1.72% | 76.8% |
| Q3 2025 | 63 | $1.2B | 11.54% | 2.19% | 1.74% | 76.4% |
| Q2 2025 | 56 | $1.2B | 11.08% | 2.77% | 1.66% | 71.1% |
| Q1 2025 | 57 | $1.2B | 10.79% | 2.58% | 1.57% | 69.9% |
| Q4 2024 | 59 | $1.2B | 10.33% | 2.20% | 1.55% | 68.6% |
| Q3 2024 | 62 | $1.2B | 11.28% | 2.32% | 1.56% | 69.6% |
| Q2 2024 | 58 | $1.2B | 10.93% | 2.52% | 1.58% | 70.9% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Louisiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Jonesboro State BankBank Jonesboro, LA | 63 out of 100, Moderate | $1.3B | 7.7% | 1.64% | vs |
| JD BankBank Jennings, LA | 76 out of 100, Strong | $1.3B | 11.9% | 0.40% | vs |
| Fidelity BankBank New Orleans, LA | 64 out of 100, Moderate | $1.2B | 20.3% | 1.85% | vs |
| Sabine State Bank and Trust CompanyBank Many, LA | 52 out of 100, Below average | $1.3B | 8.3% | 1.66% | vs |
| First American Bank and TrustBank Vacherie, LA | 73 out of 100, Strong | $1.4B | 13.8% | 1.28% | vs |
| First Federal Bank of LouisianaBank Lake Charles, LA | 70 out of 100, Strong | $1.1B | 12.0% | 0.17% | vs |
Deposit insurance
Is my money safe at Synergy Bank?
Yes. Synergy Bank is an FDIC-insured institution (FDIC certificate #34978). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.0% of deposits ($316.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.26%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
10 locations
Branches
Synergy Bank lists 10 offices in 6 cities. Most locations:
- Houma, LA (3)
- Baton Rouge, LA (2)
- Thibodaux, LA (2)
- Gray, LA (1)
- Livonia, LA (1)
- New Roads, LA (1)
HMDA 2025
Mortgage lending
In 2025, Synergy Bank reported 420 home-loan applications under HMDA (LEI 549300QAJ2SD5X8T7X10): 352 originated ($68,640,000 total), 20 denied, and 28 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.1%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Synergy Bank
- Type
- State-chartered bank
- FDIC certificate #
- 34978
- RSSD ID
- 2748502
- Primary regulator
- FDIC
- Holding company
- Synergy Bancshares Inc
- Established
- March 10, 1999
- Headquarters
- 210 Synergy Center Blvd, Houma, LA 70360
- Website
- www.synergybank.com
- Employees
- 196
Quick answers
Synergy Bank: common questions
Is Synergy Bank FDIC insured?
Yes. Synergy Bank is an FDIC-insured institution (FDIC certificate #34978). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Synergy Bank's TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Synergy Bank ever failed?
There is no failure record for FDIC certificate #34978 in the FDIC failed bank list.
How many branches does Synergy Bank have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Houma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| South Louisiana BankBank Houma, LA | 91 out of 100, Very strong | $659.8M | 15.3% | 0.45% | vs |
| First National Bank USABank Boutte, LA | 89 out of 100, Very strong | $249.1M | 14.1% | 0.03% | vs |
| Morgan City Federal Credit UnionCredit union Morgan City, LA | 84 out of 100, Strong | $4.8M | 16.7% | 0.00% | vs |
| United Community BankBank Raceland, LA | 83 out of 100, Strong | $665.5M | 14.5% | 0.73% | vs |
| Riverland Federal Credit UnionCredit union New Orleans, LA | 78 out of 100, Strong | $319.7M | 15.8% | 0.55% | vs |
| State Bank & Trust CompanyBank Golden Meadow, LA | 74 out of 100, Strong | $165.1M | 10.6% | 0.46% | vs |