| Metric | Synergy Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +5.5% | -2.2 pts |
| Deposit growth (YoY) | +3.2% | +5.1% | -1.9 pts |
| Loan growth (YoY) | +13.8% | +5.9% | +7.9 pts |
| ROA | 1.60% | 1.26% | +0.3 pts |
| ROE | 11.8% | 12.2% | -0.3 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.28B | $1.09B | $857.7M | $175.7M | $10.1M | 1.60% | 4.62% | 1.47% |
| Q1 2026 | $1.26B | $1.08B | $829.1M | $170.8M | $4.9M | 1.57% | 4.51% | 1.25% |
| Q4 2025 | $1.24B | $1.06B | $812.0M | $166.4M | $21.1M | 1.72% | 4.68% | 1.47% |
| Q3 2025 | $1.24B | $1.05B | $800.6M | $175.7M | $16.0M | 1.74% | 4.63% | 1.48% |
| Q2 2025 | $1.24B | $1.06B | $753.6M | $169.3M | $10.1M | 1.66% | 4.48% | 1.76% |
| Q1 2025 | $1.22B | $1.05B | $731.7M | $163.6M | $4.8M | 1.57% | 4.41% | 1.61% |
| Q4 2024 | $1.20B | $1.03B | $704.5M | $158.2M | $18.4M | 1.55% | 4.24% | 1.36% |
| Q3 2024 | $1.20B | $1.02B | $708.1M | $166.6M | $13.9M | 1.56% | 4.21% | 1.45% |
Loan mix (Q2 2026): real estate $671.8M · commercial $158.6M · consumer $23.0M · securities $278.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Synergy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.26% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 12.2% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.7% | 59.0% | 20th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Synergy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Synergy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Synergy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Synergy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.