Bank Comparison
Synchrony Bank vs Charles Schwab Bank, SSB
BankRegReports is independent of Synchrony Bank and Charles Schwab Bank, SSB and never asks for online banking logins or passwords.
At Q2 2026, Charles Schwab Bank, SSB is the larger bank, with $250.83B in total assets to Synchrony Bank's $115.22B; Charles Schwab Bank, SSB has the higher CET1 ratio (30.15% vs 14.35%) and Synchrony Bank has the higher return on assets (3.07% vs 1.34%).
vs
8 · 9
winning metrics across 17 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | Synchrony Bank | Charles Schwab Bank, SSB |
|---|---|---|
| CET1 Ratio | 14.35% | 30.15% |
| Tier 1 Capital Ratio | 14.35% | 30.15% |
| Total Capital Ratio | 16.46% | 30.19% |
| Tier 1 Leverage Ratio | 12.56% | 10.65% |
| Equity / Assets | 12.90% | 7.21% |
Profitability
| Metric | Synchrony Bank | Charles Schwab Bank, SSB |
|---|---|---|
| Return on Assets (ROA) | 3.07% | 1.34% |
| Return on Equity (ROE) | 23.80% | 18.70% |
| Net Interest Margin (NIM) | 11.75% | 2.21% |
| Yield on Earning Assets | 14.83% | 2.55% |
| Cost of Funds | 3.87% | 0.37% |
Asset quality
| Metric | Synchrony Bank | Charles Schwab Bank, SSB |
|---|---|---|
| Texas Ratio | 8.28% | 0.14% |
| Non-Performing Loan Ratio | 2.04% | 0.04% |
| Non-Performing Asset Ratio | 1.75% | 0.01% |
| Net Charge-Off Ratio | 5.50% | 0.00% |
| ACL / Loans | 10.18% | 0.05% |
Balance sheet
| Metric | Synchrony Bank | Charles Schwab Bank, SSB |
|---|---|---|
| Total Assets | $115.22B | $250.83B |
| Total Deposits | $85.97B | $225.25B |
| Total Loans | $98.76B | $67.28B |
| Total Equity | $14.86B | $18.10B |
| Net Income (quarter) | $879.0M | $850.0M |
Liquidity & funding
| Metric | Synchrony Bank | Charles Schwab Bank, SSB |
|---|---|---|
| Loan-to-Deposit Ratio | 114.88% | 29.87% |
| Core Deposit Ratio | 81.75% | 97.39% |
| Uninsured Deposit Ratio | 11.92% | 19.04% |
Identity
| Metric | Synchrony Bank | Charles Schwab Bank, SSB |
|---|---|---|
| Headquarters City | Draper | Westlake |
| Headquarters State | UT | TX |
| Asset Tier | $100B to $250B in assets | $250B or more in assets |
| Regulator | OCC | FED |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 9,671 | 1,133 |
| Established | August 1, 1988 | April 28, 2003 |
Related bank comparisons
Synchrony Bank vs Ally Bank · Capital One vs Synchrony Bank · USAA Federal Savings Bank vs Synchrony Bank · Synchrony Bank vs American Express National Bank · USAA Federal Savings Bank vs Charles Schwab Bank, SSB
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.
View full Synchrony Bank profile | View full Charles Schwab Bank, SSB profile | Browse all bank comparisons