SYNCHRONY BANK

DRAPER, UT | National | Est. Aug. 1, 1988, midnight | FDIC #27314 | RSSD #1216022 | OCC
Latest Report: 2025-12-31

SYNCHRONY BANK is ann national FDIC-insured commercial bank headquartered in DRAPER, UT, established in Aug. 1, 1988, midnight. As of 2025-12-31, the bank reported total assets of $112.1B and total deposits of $83.4B. Profitability stands at 2.54% ROA and 19.33% ROE, with a net interest margin of 13.86%. The bank's CET1 capital ratio is 13.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.12%. FDIC Certificate #27314.

Assets

$112.1B

Deposits

$83.4B

Loans

$100.0B

Equity

$14.6B

Profitability

Return on Assets (ROA) 2.54%
Return on Equity (ROE) 19.33%
Net Interest Margin (NIM) 13.86%
Yield on Assets 17.45%
Cost of Funds 4.25%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 5.53%
Texas Ratio 0.12%
NPA Ratio 0.03%
ACL / Loans 10.17%

Capital & Liquidity

CET1 Ratio 13.70%
Tier 1 Capital 13.70%
Total Capital Ratio 15.81%
Leverage Ratio 12.44%
Loan-to-Deposit 119.99%

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