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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 56th largest bank in the nation. It was established in 1888 and as of June of 2014, it had grown to 4,399 employees at 275 locations. Synovus Bank has a A health rating.

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Data for Q2 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 June 30, 2014 Synovus Bank had $342.36 million in non-current loans and owned real-estate with $3.6 billion in equity and loan loss allowances on hand to cover it. This gives Synovus Bank a Texas Ratio of 9.50% which is excellent. 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 dramatically from 13.96% as of June 30, 2013 to 9.50% as of June 30, 2014, resulting in a positive change of 31.95%.This indicates that the balance sheet and financial strength for Synovus Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Synovus Bank has increased its total deposits by $295.33 million, resulting in 1.41% 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 $26.32 billion in assets with $3.6 billion in equity, resulting in a capitalization level of 13.69%, which is excellent.

Institution Statistics

FDIC Certificate #873
Year Established1888
Primary RegulatorFDIC
Assets and Liabilities
Assets$26.32 billion
Loans$20.24 billion
Deposits$21.22 billion
Equity Capital$3.33 billion
Loan Loss Allowance$277.55 million
Unbacked Noncurrent Loans$251.39 million
Real Estate Owned$90.97 million
Historic Data - June 2013
Assets$26.19 billion
Equity Capital$3.79 billion
Loan Loss Allowance$330.62 million
Unbacked Noncurrent Loans$251.39 million
Real Estate Owned$117.32 million
Profit Margin - Quarterly
Return on Assets0.87%
Return on Equity6.9%
Interest Income$460.11 million

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