Side-by-side · Q2 2026 data
Sabine State Bank and Trust Company vs Synergy Bank
Metric by metric
| Measure | Sabine State Bank and Trust Company | Synergy Bank |
|---|---|---|
| TellerScore | 52 | 61 (stronger) |
| Capital cushion | 33 | 63 (stronger) |
| Loan quality | 45 (stronger) | 31 |
| Earnings | 90 (stronger) | 84 |
| Funding & liquidity | 47 | 66 (stronger) |
| Problem-loan coverage | 60 | 80 (stronger) |
| Peer percentile | 9th | 24th |
| Total assets | $1.3B | $1.3B |
| Deposits / shares | $1.2B | $1.1B |
| Capital ratio | 8.28% | 11.26% (stronger) |
| Problem loans | 1.66% (stronger) | 2.07% |
| Net charge-offs | 0.08% (stronger) | 0.19% |
| Return on assets | 1.74% (stronger) | 1.60% |
| Loans ÷ deposits | 88.7% | 78.5% (stronger) |
| Uninsured deposits | 36.9% | 29.0% (stronger) |
| Offices | 51 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.1% |
Synergy Bank has the higher TellerScore (61 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Sabine State Bank and Trust Company leads on 3 and Synergy Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.