Bank Comparison
Capital One, N.A. vs Synchrony Bank
Card-issuer comparison: branded versus private-label specialist.
vs
11 · 13
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Capital One, N.A. | Synchrony Bank |
|---|---|---|
| CET1 Ratio | 13.73% | 14.22% |
| Tier 1 Capital Ratio | 13.73% | 14.22% |
| Total Capital Ratio | 15.41% | 16.35% |
| Tier 1 Leverage Ratio | 10.80% | 12.33% |
| Equity / Assets | 14.48% | 12.79% |
Profitability
| Metric | Capital One, N.A. | Synchrony Bank |
|---|---|---|
| Return on Assets (ROA) | 1.38% | 2.62% |
| Return on Equity (ROE) | 9.51% | 20.33% |
| Net Interest Margin (NIM) | 7.92% | 11.88% |
| Yield on Earning Assets | 10.49% | 14.94% |
| Cost of Funds | 2.96% | 3.84% |
Asset quality
| Metric | Capital One, N.A. | Synchrony Bank |
|---|---|---|
| Texas Ratio | 15.21% | 13.36% |
| Non-Performing Loan Ratio | 1.55% | 1.04% |
| Non-Performing Asset Ratio | 1.05% | 0.88% |
| Net Charge-Off Ratio | 3.50% | 5.42% |
| ACL / Loans | 5.28% | 10.53% |
Balance sheet
| Metric | Capital One, N.A. | Synchrony Bank |
|---|---|---|
| Total Assets | $672,010M | $114,855M |
| Total Deposits | $520,795M | $85,813M |
| Total Loans | $447,940M | $96,596M |
| Total Equity | $97,280M | $14,688M |
| Net Income (quarter) | $2,317M | $743,000K |
Liquidity & funding
| Metric | Capital One, N.A. | Synchrony Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 86.01% | 112.57% |
| Core Deposit Ratio | 96.56% | 88.93% |
| Uninsured Deposit Ratio | 21.38% | 11.71% |
Identity
| Metric | Capital One, N.A. | Synchrony Bank |
|---|---|---|
| Headquarters City | MC LEAN | DRAPER |
| Headquarters State | VA | UT |
| Asset Tier | National | National |
| Charter Class | 13688 | 715044 |
| Regulator | OCC | OCC |
| Domestic Branches | 259 | 2 |
| Employees (FTE) | 88,752 | 9,668 |
| Established | May 22, 1933, midnight | Aug. 1, 1988, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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