This institution is no longer active

Operations ceased on June 19, 2017. CRA examination history below reflects the period it was active.

SYNERGY BANK, S.S.B.

MCKINNEY, TX · Supervised by FDIC

Est. 1998FDIC #34,669RSSD: FDIC-34669

Part ofPREMIER BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: February 2016

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.10%

Institution Profile

FDIC BankFind

Address

8951 Synergy Dr., Suite 100, MCKINNEY, TX

County

Collin County

Established

March 20, 1998

Total Assets

$156M(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

February 1, 2016

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 10 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2017Call Report / FDIC

Total Assets

$156M

Total Deposits

$128M

Net Loans

$124M

Net Income

$40K

ROA

0.10%

Below avg for Small banks. Peer avg: 0.44%

ROE

0.89%

Risk-Based Capital

12.56%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA0.10%Peer avg: 0.44%▼ Below avg

Risk-Based Capital12.56%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Feb 2016	Satisfactory	Small Bank
May 2010	Satisfactory	Small Bank
Dec 2004	Satisfactory	Small Bank

1 previous rating locked — back to 1999

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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