Bank Comparison
Synchrony Bank vs Ally Bank
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At Q2 2026, Ally Bank is the larger bank, with $188.18B in total assets to Synchrony Bank's $115.22B; Synchrony Bank has the higher CET1 ratio (14.35% vs 12.30%) and the higher return on assets (3.07% vs 1.29%).
vs
10 · 7
winning metrics across 17 scored rows
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Capital adequacy
| Metric | Synchrony Bank | Ally Bank |
|---|---|---|
| CET1 Ratio | 14.35% | 12.30% |
| Tier 1 Capital Ratio | 14.35% | 12.30% |
| Total Capital Ratio | 16.46% | 13.57% |
| Tier 1 Leverage Ratio | 12.56% | 9.60% |
| Equity / Assets | 12.90% | 8.26% |
Profitability
| Metric | Synchrony Bank | Ally Bank |
|---|---|---|
| Return on Assets (ROA) | 3.07% | 1.29% |
| Return on Equity (ROE) | 23.80% | 15.68% |
| Net Interest Margin (NIM) | 11.75% | 4.12% |
| Yield on Earning Assets | 14.83% | 7.16% |
| Cost of Funds | 3.87% | 3.18% |
Asset quality
| Metric | Synchrony Bank | Ally Bank |
|---|---|---|
| Texas Ratio | 8.28% | 6.43% |
| Non-Performing Loan Ratio | 2.04% | 0.85% |
| Non-Performing Asset Ratio | 1.75% | 0.65% |
| Net Charge-Off Ratio | 5.50% | 1.12% |
| ACL / Loans | 10.18% | 2.49% |
Balance sheet
| Metric | Synchrony Bank | Ally Bank |
|---|---|---|
| Total Assets | $115.22B | $188.18B |
| Total Deposits | $85.97B | $156.61B |
| Total Loans | $98.76B | $143.89B |
| Total Equity | $14.86B | $15.54B |
| Net Income (quarter) | $879.0M | $606.0M |
Liquidity & funding
| Metric | Synchrony Bank | Ally Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 114.88% | 91.87% |
| Core Deposit Ratio | 81.75% | 90.60% |
| Uninsured Deposit Ratio | 11.92% | 10.37% |
Identity
| Metric | Synchrony Bank | Ally Bank |
|---|---|---|
| Headquarters City | Draper | Sandy |
| Headquarters State | UT | UT |
| Asset Tier | $100B to $250B in assets | $100B to $250B in assets |
| Regulator | OCC | FED |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 9,671 | 9,382 |
| Established | August 1, 1988 | August 2, 2004 |
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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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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