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This institution is no longer active

Operations ceased on June 1, 2010. CRA examination history below reflects the period it was active.

SYNOVUS BANK

SAINT PETERSBURG, FL · Supervised by FDIC

Est. 1996FDIC #34,172RSSD: FDIC-34172
Part ofU.S. Bancorp→ View all charters
Satisfactory Same

Current rating · Exam: August 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -2.66%

Institution Profile

FDIC BankFind

Address

12450 Roosevelt Boulevard North, SAINT PETERSBURG, FL

County

Pinellas County

Established

May 10, 1996

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

August 2, 2010

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 15 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 2010Call Report / FDIC

Total Assets

$1.3B

Total Deposits

$1.0B

Net Loans

$991M

Net Income

$-8,916K

ROA

-2.66%

ROE

-26.99%

Risk-Based Capital

12.09%

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 Rate21.66%Peer avg: 9.91%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20248,37561.06%21.66%
202310,86961.73%21.89%
202218,03065.73%18.64%
202121,34966.24%13.98%
202027,60966.61%13.93%
201915,11768.55%19.22%
201811,20268.45%17.68%

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

3 previous ratings locked — dating back to 1998

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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