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Jun 30, 2025
Synovus Q2 2025 Earnings Report
Synovus reported strong profitability and loan growth in Q2 2025
Key Takeaways
Synovus delivered solid results with higher net income, strong loan growth driven by specialty and investment banking, improved credit quality, and a record-high CET1 capital ratio.
Net income rose to $206.3M from a loss in the prior year
Funded loan production surged, driving 2% quarter-over-quarter loan growth
Credit quality improved, with lower non-performing loan ratio and net charge-offs
Common Equity Tier 1 ratio reached the highest level in company history
Revenue by Segment
Forward Guidance
Synovus raised its full-year 2025 earnings guidance, citing strong loan production, improved credit quality, and operational efficiency despite economic uncertainties.
Positive Outlook
- Raised full-year 2025 earnings guidance
- Strong funded loan production and specialty lending growth
- Improved credit quality across all categories
- Positive operating leverage and efficiency ratio improvement
- Record-high CET1 capital ratio
Challenges Ahead
- Deposit balances declined sequentially
- Public funds dropped $405M quarter-over-quarter
- Time deposits and interest-bearing demand deposits declined
- Capital markets income weaker year-over-year
- Economic and global uncertainty remains a headwind
Historical Earnings Impact
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Avg. Return Before/After Earnings
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