Synchrony Bank
Synchrony Bank reported total assets of $115.2 bn at Q2 2026, up 1.2% on a year earlier, the 30th largest of 497 banks in our US coverage. The CET1 capital ratio at Synchrony Bank was 14.35%, and the uninsured share of Synchrony Bank was 11.92%. Source: FDIC Call Reports.
Key takeaways
- Synchrony Bank has one of the highest tier 1 leverage ratio readings among banks of over $100 bn: 12.56% at , against a median of 9.44% across 32 banks (FDIC Call Reports).
- At 12.91%, the net interest margin of Synchrony Bank sits in the top tenth of its size group (over $100 bn, 32 banks), where the median is 3.14% (FDIC Call Reports).
- Few banks of over $100 bn report a higher noncurrent loans to total loans than Synchrony Bank, at 2.04% in against a group median of 0.85% (FDIC Call Reports).
What sets Synchrony Bank apart
- Synchrony Bank has one of the highest net charge-offs to average loans readings among banks of over $100 bn: 5.39% at , against a median of 0.36% across 32 banks.
- At 103.18%, the loan-to-deposit ratio of Synchrony Bank sits in the top tenth of its size group (over $100 bn, 32 banks), where the median is 72.53%.
- Few banks of over $100 bn report a higher return on assets (ROA) than Synchrony Bank, at 2.84% in against a group median of 1.18%.
How large is Synchrony Bank?
The balance sheet of Synchrony Bank at : assets $115.2 bn, deposits $86.0 bn, net loans $88.7 bn (loans equal to 103.18% of deposits). Securities make up 4.7% of total assets at Synchrony Bank. Since , when Synchrony Bank held $62.0 bn, its assets grew 85.7%. In the year to , deposits at Synchrony Bank rose 1.4% while its total assets rose 1.2%. At , Synchrony Bank employed 9,671 full-time equivalent staff across 1 office, about $11.9 mn of assets per employee and $86.0 bn of deposits per office.
How much funding at Synchrony Bank is uninsured?
At Synchrony Bank, uninsured deposits (above the FDIC limit) made up 11.92% of domestic deposits at (+1.34 pp on a year earlier); Synchrony Bank ranks 462nd of 500 on this measure. In dollars, Synchrony Bank estimated $10.2 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $86.0 bn | +1.4% | 31st of 499 |
| Net loans and leases | $88.7 bn | +3.3% | 24th of 500 |
| Loan-to-deposit ratio | 103.18% | +1.92 pp | 38th of 500 |
| Tier 1 leverage ratio | 12.56% | +0.26 pp | 76th of 500 |
| Total risk-based capital ratio | 16.46% | +0.04 pp | 107th of 448 |
| Net interest margin | 12.91% | +0.20 pp | 5th of 500 |
| Return on assets (ROA) | 2.84% | +0.14 pp | 16th of 500 |
| Efficiency ratio | 36.71% | +2.95 pp | 44th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $26.0 mn | Widened by $13.0 mn | |
| Noncurrent loans to total loans | 2.04% | -0.06 pp | 458th of 500 (1 = lowest) |
| Net charge-offs to average loans | 5.39% | -0.62 pp | 496th of 500 (1 = lowest) |
US rank of Synchrony Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Synchrony Bank: assets, deposits and loans
- Total assets $115bn
- Deposits $86.0bn
- Net loans $88.7bn
Capital and securities
The CET1 ratio of Synchrony Bank stood at 14.35% in , +0.06 pp year on year. Low and high at Synchrony Bank since : 12.95% () to 19.24% (). Equity capital of Synchrony Bank at : $14.9 bn, or 12.9% of total assets. Synchrony Bank also reported a total capital ratio of 16.46% for , and a tier 1 leverage ratio of 12.56%.
The available-for-sale portfolio of Synchrony Bank showed an unrealized loss of $26.0 mn at ; the loss widened by $13.0 mn over the year.
Synchrony Bank: capital ratios
- Total capital 16%
- CET1 14%
- Tier 1 leverage 13%
Synchrony Bank: unrealized securities gains and losses
- Available for sale -$26mn
- Held to maturity $0
Profitability and loan quality
For the year to , Synchrony Bank earned a return on equity of 22.07%; return on assets: 2.84%. Net interest margin at Synchrony Bank: 12.91%, +0.20 pp in a year. Synchrony Bank net income: $1.6 bn, up 5.5% year on year. The efficiency ratio of Synchrony Bank was 36.71%: about 37 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 2.04% of total loans at Synchrony Bank; net charge-offs: 5.39% of average loans. Gross loans and leases at Synchrony Bank: $98.8 bn, up 2.7% in a year.
Synchrony Bank: profitability
- Return on equity 22%
- Net interest margin 13%
- Return on assets 2.8%
Peer group of Synchrony Bank
The peer group of Synchrony Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Synchrony Bank (federal savings bank), 5 sit in the same size group (over $100 bn) and 1 has its head office in Utah. Against them, Synchrony Bank shows CET1 ratio 14.35% against a peer median of 15.73%, return on equity 22.07% against a peer median of 11.05% and uninsured deposit share 11.92% against a peer median of 38.19%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Regions Bank | State member bank | AL | $159.8 bn | 11.58% | 12.86% | 39.23% | |
| Pinnacle Bank | State member bank | TN | $128.8 bn | 10.73% | 9.24% | 49.54% | |
| UBS Bank USA | National bank | UT | $124.4 bn | 26.74% | 14.19% | 37.16% | |
| Synchrony Bank | Federal savings bank | UT | $115.2 bn | 14.35% | 22.07% | 11.92% | |
| USAA Federal Savings Bank | Federal savings bank | AZ | $106.2 bn | 16.89% | 17.44% | 5.19% | |
| Santander Bank | National bank | DE | $104.0 bn | 20.26% | 7.54% | 34.05% | |
| City National Bank | National bank | CA | $99.1 bn | 14.57% | 8.15% | 55.45% | |
. FDIC Call Reports.
Last eight quarters
Two years at Synchrony Bank, to : assets +3.0%, deposits +2.2%, equity +8.9%. Staff 10,504 to 9,671; offices 4 to 1.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $111.8 bn | $111.9 bn | $114.8 bn | $113.9 bn | $110.6 bn | $112.1 bn | $114.9 bn | $115.2 bn |
| Total deposits | $84.1 bn | $83.9 bn | $86.1 bn | $84.8 bn | $82.6 bn | $83.4 bn | $85.8 bn | $86.0 bn |
| Bank equity capital | $13.6 bn | $14.0 bn | $14.3 bn | $14.6 bn | $14.7 bn | $14.6 bn | $14.7 bn | $14.9 bn |
| CET1 ratio | 13.75% | 13.74% | 14.01% | 14.29% | 14.33% | 13.70% | 14.22% | 14.35% |
| Return on equity (ROE) | 18.18% | 18.36% | 17.39% | 21.49% | 23.54% | 22.52% | 20.33% | 22.07% |
| Uninsured share of domestic deposits | 9.25% | 9.52% | 10.52% | 10.58% | 11.18% | 10.86% | 11.71% | 11.92% |
| Full-time equivalent employees | 10,504 | 10,451 | 10,323 | 10,327 | 10,229 | 10,155 | 9,668 | 9,671 |
| Number of offices | 4 | 3 | 2 | 2 | 2 | 2 | 1 | 1 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Synchrony Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Synchrony Bank?
Synchrony Bank reported $115.2 bn at in its Call Report. That makes Synchrony Bank the 30th largest of 497 banks in our US coverage.
Is Synchrony Bank the same as its holding company?
No. This page covers Synchrony Bank, FDIC certificate 27314; Synchrony Financial, its holding company, reports separately to the Federal Reserve.
Is Synchrony Bank profitable?
Synchrony Bank reported net income of $1.6 bn for the year to ; annualized return on equity: 22.07%. So yes: Synchrony Bank made a profit over these months.
When is data for Synchrony Bank next updated?
Figures from Synchrony Bank for are due after .
Where can I check the figures for Synchrony Bank?
In the FDIC BankFind Suite record for certificate 27314, and in the Call Reports of Synchrony Bank (RSSD ID 1216022) at the FFIEC Central Data Repository.