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Overview / Commentary
1111 Bay Avenue
Columbus, GA 31901

Synovus Bank is headquartered in Columbus and is the 2nd largest bank in the state of Georgia. It is also the 55th largest bank in the nation. It was established in 1888 and as of March of 2014, it had grown to 4,403 employees at 281 locations. Synovus Bank has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Synovus Bank had $455.66 million in non-current loans and owned real-estate with $3.57 billion in equity and loan loss allowances on hand to cover it. This gives Synovus Bank a Texas Ratio of 12.78% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Synovus Bank decreased slightly from 14.89% as of March 31, 2013 to 12.78% as of March 31, 2014, resulting in a positive change of 14.18%.This indicates that the balance sheet and financial strength for Synovus Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Synovus Bank has increased its total deposits by $356.6 million, resulting in 1.71% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Synovus Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Synovus Bank has $26.11 billion in assets with $3.57 billion in equity, resulting in a capitalization level of 13.66%, which is excellent.

Institution Statistics

FDIC Certificate #873
Year Established1888
Primary RegulatorFDIC
Assets and Liabilities
Assets$26.11 billion
Loans$19.88 billion
Deposits$21.15 billion
Equity Capital$3.27 billion
Loan Loss Allowance$295.18 million
Unbacked Noncurrent Loans$357.47 million
Real Estate Owned$98.19 million
Historic Data - March 2013
Assets$25.85 billion
Equity Capital$3.77 billion
Loan Loss Allowance$347.50 million
Unbacked Noncurrent Loans$357.47 million
Real Estate Owned$128.18 million
Profit Margin - Quarterly
Net Interest Margin3.55%
Return on Assets0.88%
Return on Equity7.07%
Interest Income$228.06 million

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Synovus Bank has 282 locations. Click to view all Synovus Bank locations.