Synchrony Bank
Synchrony Bank reported total assets of $115.2 bn at Q2 2026, up 1.2% from a year earlier. That ranks 30th among 497 banks reporting this metric (1 = highest). Its common equity tier 1 ratio was 14.35%, and an estimated 11.92% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Return on equity (ROE): up 1.74 pp on Q1 2026, to 22.07%
- Net loans and leases: up 2.6% on Q1 2026, to $88.7 bn
- Noncurrent loans to total loans: down 0.28 pp on Q1 2026, to 2.04%
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about Synchrony Bank?
Against its six size peers, its net interest margin stands out most: 12.91% at Q2 2026, above the peer median of 3.51%. Its net charge-offs to average loans of 5.39% at Q2 2026 is among the highest 5% of the 500 banks reporting it, a loan-quality outlier (rank 496 of 500, 1 = lowest).
How large is Synchrony Bank?
At Q2 2026 the bank held $115.2 bn of assets. Deposits were $86.0 bn and net loans and leases $88.7 bn, a loan-to-deposit ratio of 103.18%. Securities of $5.4 bn made up 4.7% of assets.
Total assets rose 85.7% between Q1 2016 and Q2 2026, from $62.0 bn.
How much of its funding is uninsured?
An estimated 11.92% of domestic deposits were above the FDIC insurance limit at Q2 2026, +0.21 pp from the previous quarter and +1.34 pp from a year earlier. That share ranks 462nd among 500 banks reporting this metric (1 = highest).
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $115.2 bn | +1.2% | 30th of 497 |
| Total deposits | $86.0 bn | +1.4% | 31st of 499 |
| Net loans and leases | $88.7 bn | +3.3% | 24th of 500 |
| Bank equity capital | $14.9 bn | +1.6% | 27th of 498 |
| Common equity tier 1 (CET1) ratio | 14.35% | +0.06 pp | 140th of 448 |
| Tier 1 leverage ratio | 12.56% | +0.26 pp | 76th of 500 |
| Return on equity (ROE) | 22.07% | +0.58 pp | 29th of 500 |
| Net interest margin | 12.91% | +0.20 pp | 5th of 500 |
| Uninsured share of domestic deposits | 11.92% | +1.34 pp | 462nd of 500 |
| 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: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026.
- Total assets $115bn
- Deposits $86.0bn
- Net loans $88.7bn
Capital and securities
The common equity tier 1 (CET1) ratio was 14.35% at Q2 2026, +0.06 pp from a year earlier. Since Q1 2016 it has ranged from 12.95% (Q1 2024) to 19.24% (Q2 2021). At Q2 2026 the tier 1 leverage ratio was 12.56% and the total risk-based capital ratio 16.46%. The median CET1 ratio of the size peers listed below was 15.73% at Q2 2026.
Available-for-sale securities showed an unrealized loss of $26.0 mn at Q2 2026; the loss widened by $13.0 mn from a year earlier.
Capital ratios
- Total capital 16%
- CET1 14%
- Tier 1 leverage 13%
Unrealized gains and losses on securities
- Available for sale -$26mn
- Held to maturity $0
Profitability and loan quality
Return on equity was 22.07% for the year to Q2 2026, annualized, with a return on assets of 2.84% and a net interest margin of 12.91%. The margin was +0.20 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 36.71%. Net income for the year to Q2 2026 was $1.6 bn, up 5.5% on the same period a year earlier. The median return on equity of its size peers was 11.05% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 2.04% of total loans at Q2 2026. Net charge-offs for the year to date were 5.39% of average loans, annualized.
Profitability
- Return on equity 22%
- Net interest margin 13%
- Return on assets 2.8%
Compared with banks of similar size
The six banks ranked closest to Synchrony Bank by total assets at Q2 2026, three above and three below where possible.
Among the seven banks in the table at Q2 2026, Synchrony Bank is 4th by total assets. Its CET1 ratio of 14.35% compares with a peer median of 15.73%, its tier 1 leverage ratio of 12.56% compares with a peer median of 9.40%, and its return on equity of 22.07% compares with a peer median of 11.05%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| Regions Bank | $159.8 bn | 11.58% | 12.86% | 39.23% | |
| Pinnacle Bank | $128.8 bn | 10.73% | 9.24% | 49.54% | |
| UBS Bank USA | $124.4 bn | 26.74% | 14.19% | 37.16% | |
| Synchrony Bank | $115.2 bn | 14.35% | 22.07% | 11.92% | |
| USAA Federal Savings Bank | $106.2 bn | 16.89% | 17.44% | 5.19% | |
| Santander Bank | $104.0 bn | 20.26% | 7.54% | 34.05% | |
| City National Bank | $99.1 bn | 14.57% | 8.15% | 55.45% | |
Q2 2026. Peer median (the six banks, excluding this one): CET1 15.73%, return on equity 11.05%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
Synchrony Bank, as reported in its Call Reports.
From Q3 2024 to Q2 2026, total assets rose 3.0% to $115.2 bn, deposits rose 2.2% to $86.0 bn and bank equity capital rose 8.9% to $14.9 bn. Over the same period its full-time equivalent staff went from 10,504 to 9,671 and its offices went from 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 |
| Common equity tier 1 (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 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
The FDIC history records no mergers or acquisitions for Synchrony Bank since Q1 2016, and its total assets never moved more than 25% in one quarter.
Identifiers and sources
- FDIC certificate
- 27314
- Federal Reserve RSSD ID
- 1216022
- Head office
- Draper, Utah
- Holding company
- Synchrony Financial
- Holding company RSSD ID
- 4504654
- Holding company SEC CIK
- 1601712
- EconoMonitor ID
- EMB-US-000040
Frequently asked questions
What were Synchrony Bank's total assets?
$115.2 bn at Q2 2026, according to its Call Report as published by the FDIC. By total assets it ranks 30th among 497 banks reporting this metric (1 = highest).
Is Synchrony Bank the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 27314). Its holding company, Synchrony Financial, reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after Synchrony Bank files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 27314, and in the Call Reports filed under RSSD ID 1216022 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.