Synchrony Bank
Total assets
$115.22B
▲ +1.2% YoY
Deposits
$85.97B
▲ +1.4% YoY
Loans
$88.70B
▲ +3.3% YoY
Offices
2
SYNCHRONY FINANCIAL
ROA (annualized)
2.84%
ROE (annualized)
22.07%
Peer comparison
No peer data.
Profile
- Established
- 1988
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- SYNCHRONY FINANCIAL
- Specialization
- Credit-card Specialization
- Address
- 170 W Election Rd, Draper, UT, 84020
- County
- Salt Lake
- Metro area
- Salt Lake City, UT
- Offices
- 2
- FDIC cert #
- 27314
- RSSD ID
- 1216022
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $115.22B | $85.97B | $88.70B | $14.86B | $1.62B | 2.84% | 12.91% | 1.75% |
| Q1 2026 | $114.86B | $85.81B | $86.42B | $14.69B | $743.0M | 2.62% | 12.97% | 1.95% |
| Q4 2025 | $112.11B | $83.38B | $89.86B | $14.55B | $3.25B | 2.89% | 13.09% | 1.96% |
| Q3 2025 | $110.56B | $82.57B | $86.57B | $14.74B | $2.54B | 3.01% | 13.00% | 1.89% |
| Q2 2025 | $113.90B | $84.80B | $85.86B | $14.63B | $1.54B | 2.71% | 12.71% | 1.77% |
| Q1 2025 | $114.81B | $86.09B | $85.17B | $14.31B | $615.0M | 2.17% | 12.79% | 1.95% |
| Q4 2024 | $111.94B | $83.90B | $89.94B | $13.98B | $2.40B | 2.15% | 13.17% | 2.19% |
| Q3 2024 | $111.84B | $84.09B | $87.40B | $13.64B | $1.76B | 2.09% | 13.13% | 2.08% |
Loan mix (Q2 2026): real estate $6.0M · commercial $2.60B · consumer $96.02B · securities $5.41B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Synchrony Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.84% | 1.23% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 22.1% | 11.3% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 12.91% | 3.55% | 99th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.7% | 54.9% | 13th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Synchrony Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Synchrony Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Synchrony Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Synchrony Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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