Side-by-side · Q2 2026 data
State Bank & Trust Company vs Synergy Bank
Metric by metric
| Measure | State Bank & Trust Company | Synergy Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 61 |
| Capital cushion | 56 | 63 (stronger) |
| Loan quality | 85 (stronger) | 31 |
| Earnings | 80 | 84 (stronger) |
| Funding & liquidity | 73 (stronger) | 66 |
| Problem-loan coverage | 93 (stronger) | 80 |
| Peer percentile | 57th | 24th |
| Total assets | $165.1M | $1.3B |
| Deposits / shares | $145.3M | $1.1B |
| Capital ratio | 10.63% | 11.26% (stronger) |
| Problem loans | 0.46% (stronger) | 2.07% |
| Net charge-offs | -0.05% (stronger) | 0.19% |
| Return on assets | 1.50% | 1.60% (stronger) |
| Loans ÷ deposits | 78.8% | 78.5% (stronger) |
| Uninsured deposits | 22.4% (stronger) | 29.0% |
| Offices | 4 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.1% |
State Bank & Trust Company has the higher TellerScore (74 vs 61). On the 7 directional measures above (where higher or lower is clearly better), State Bank & Trust Company leads on 4 and Synergy Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.