| Metric | Synchrony Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +5.9% | -4.7 pts |
| Deposit growth (YoY) | +1.4% | +5.7% | -4.3 pts |
| Loan growth (YoY) | +3.3% | +6.9% | -3.6 pts |
| ROA | 2.84% | 1.23% | +1.6 pts |
| ROE | 22.1% | 11.2% | +10.8 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| 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 | 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% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 12.91% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
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% |
| 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% |
| Ratio | Synchrony Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| 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% |
| 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% |
| Ratio | Synchrony Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 2 states (+0 vs 2025) · $85.97B branch deposits. Biggest market: Salt Lake, UT, ranked 6th with 7.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $85.97B | 7.19% | 6th |
| Seminole, FL | 1 | $0 | 0.00% | 37th |
Utah: 6th with 6.71% · Florida: 336th with 0.00% · Salt Lake City-Murray metro: 6th, 7.18% · Orlando-Kissimmee-Sanford metro: 74th, 0.00% ·
Branch count: 2022 3 · 2023 4 · 2024 4 · 2025 2 · 2026 2