Bank Comparison
Synchrony Bank vs American Express National Bank
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At Q2 2026, American Express National Bank is the larger bank, with $213.95B in total assets to Synchrony Bank's $115.22B; Synchrony Bank has the higher CET1 ratio (14.35% vs 10.86%) and American Express National Bank has the higher return on assets (3.61% vs 3.07%).
vs
9 · 8
winning metrics across 17 scored rows
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Capital adequacy
| Metric | Synchrony Bank | American Express National Bank |
|---|---|---|
| CET1 Ratio | 14.35% | 10.86% |
| Tier 1 Capital Ratio | 14.35% | 10.86% |
| Total Capital Ratio | 16.46% | 12.99% |
| Tier 1 Leverage Ratio | 12.56% | 8.84% |
| Equity / Assets | 12.90% | 8.95% |
Profitability
| Metric | Synchrony Bank | American Express National Bank |
|---|---|---|
| Return on Assets (ROA) | 3.07% | 3.61% |
| Return on Equity (ROE) | 23.80% | 41.03% |
| Net Interest Margin (NIM) | 11.75% | 8.22% |
| Yield on Earning Assets | 14.83% | 11.13% |
| Cost of Funds | 3.87% | 3.41% |
Asset quality
| Metric | Synchrony Bank | American Express National Bank |
|---|---|---|
| Texas Ratio | 8.28% | 4.39% |
| Non-Performing Loan Ratio | 2.04% | 0.63% |
| Non-Performing Asset Ratio | 1.75% | 0.51% |
| Net Charge-Off Ratio | 5.50% | 2.44% |
| ACL / Loans | 10.18% | 3.26% |
Balance sheet
| Metric | Synchrony Bank | American Express National Bank |
|---|---|---|
| Total Assets | $115.22B | $213.95B |
| Total Deposits | $85.97B | $171.55B |
| Total Loans | $98.76B | $172.33B |
| Total Equity | $14.86B | $19.15B |
| Net Income (quarter) | $879.0M | $1.96B |
Liquidity & funding
| Metric | Synchrony Bank | American Express National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 114.88% | 100.45% |
| Core Deposit Ratio | 81.75% | 84.65% |
| Uninsured Deposit Ratio | 11.92% | 18.17% |
Identity
| Metric | Synchrony Bank | American Express National Bank |
|---|---|---|
| Headquarters City | Draper | Sandy |
| Headquarters State | UT | UT |
| Asset Tier | $100B to $250B in assets | $100B to $250B in assets |
| Regulator | OCC | OCC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 9,671 | 2,582 |
| Established | August 1, 1988 | March 20, 1989 |
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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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