BanksSYNCHRONY BANK

SYNCHRONY BANK

DRAPER, UTNationalEst. Aug. 1, 1988, midnightFDIC #27314RSSD #1216022OCC
Latest · 2025-12-31

SYNCHRONY BANK is an 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%. CET1 capital ratio: 13.70%, well above regulatory minimums. NPL ratio: 0.03% · Texas Ratio: 0.12%. Operates 2 domestic branches.

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 Margin13.86%
Yield on Assets17.45%
Cost of Funds4.07%

Asset Quality

NPL Ratio0.03%
Net Charge-Off Ratio5.53%
Texas Ratio0.12%
NPA Ratio0.03%
ACL / Loans10.17%

Capital & Liquidity

CET1 Ratio13.70%
Tier 1 Capital13.70%
Total Capital Ratio15.81%
Leverage Ratio12.44%
Loan-to-Deposit119.99%

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