This institution is no longer active

Operations ceased on January 2, 2026. CRA examination history below reflects the period it was active.

SYNOVUS BANK

COLUMBUS, GA · Supervised by FDIC

Est. 1888FDIC #873RSSD: FDIC-873

Part ofU.S. Bancorp→ View all charters

Satisfactory Same

Current rating · Exam: September 2015

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.39%

Institution Profile

FDIC BankFind

Address

33 W 14th St., COLUMBUS, GA

County

Muscogee County

Established

January 1, 1888

Total Assets

$61.2B(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

September 1, 2015

Exam Type

Large 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 Q4 2025Call Report / FDIC

Total Assets

$61.2B

Total Deposits

$51.9B

Net Loans

$44.3B

Net Income

$840M

ROA

1.39%

Above avg for Regional banks. Peer avg: 0.88%

ROE

15.05%

Risk-Based Capital

14.08%

Below avg for Regional banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

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

ROA1.39%Peer avg: 0.88%▲ Above avg

Risk-Based Capital14.08%Peer avg: 30.04%▼ Below avg

Mortgage Denial Rate21.89%Peer avg: 26.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

245

Branch Deposits

$50.8B

1-Year Change

-2

5-year net change: -47 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	10,869	61.73%	21.89%
2022	18,030	65.73%	18.64%
2021	21,349	66.24%	13.98%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
Sep 2015	Satisfactory	Large Bank
Jul 2013	Satisfactory	Large Bank
Mar 2009	Outstanding	Large Bank

7 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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