🏦Bank Scorer

SYNERGY BANK

HOUMA, LA · Supervised by FDIC

Est. 1999FDIC #34,978RSSD: FDIC-34978
Part ofSYNERGY BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.57%

Institution Profile

FDIC BankFind

Address

210 Synergy Center Blvd, HOUMA, LA

County

Terrebonne County

Established

March 10, 1999

Total Assets

$1.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.3B

Total Deposits

$1.1B

Net Loans

$829M

Net Income

$5M

ROA

1.57%

ROE

11.65%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate5.96%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$1.1B

1-Year Change

0

5-year net change: +4 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202436980.22%5.96%
202326888.43%2.99%
202236886.14%5.71%
202128682.17%4.90%
202030984.14%6.47%
201931790.85%4.42%
201824184.65%6.22%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 2001

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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