Bank Comparison
Synchrony Bank vs Pinnacle Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 9
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Synchrony Bank | Pinnacle Bank |
|---|---|---|
| CET1 Ratio | 14.22% | 10.53% |
| Tier 1 Capital Ratio | 14.22% | 10.53% |
| Total Capital Ratio | 16.35% | 11.83% |
| Tier 1 Leverage Ratio | 12.33% | 8.87% |
| Equity / Assets | 12.79% | 11.81% |
Profitability
| Metric | Synchrony Bank | Pinnacle Bank |
|---|---|---|
| Return on Assets (ROA) | 2.62% | 0.76% |
| Return on Equity (ROE) | 20.33% | 8.63% |
| Net Interest Margin (NIM) | 11.88% | 3.47% |
| Yield on Earning Assets | 14.94% | 5.53% |
| Cost of Funds | 3.84% | 2.91% |
Asset quality
| Metric | Synchrony Bank | Pinnacle Bank |
|---|---|---|
| Texas Ratio | 13.36% | 4.84% |
| Non-Performing Loan Ratio | 1.04% | 0.57% |
| Non-Performing Asset Ratio | 0.88% | 0.42% |
| Net Charge-Off Ratio | 5.42% | 0.23% |
| ACL / Loans | 10.53% | 1.10% |
Balance sheet
| Metric | Synchrony Bank | Pinnacle Bank |
|---|---|---|
| Total Assets | $114,855M | $122,628M |
| Total Deposits | $85,813M | $101,064M |
| Total Loans | $96,596M | $85,447M |
| Total Equity | $14,688M | $14,486M |
| Net Income (quarter) | $743,000K | $230,906K |
Liquidity & funding
| Metric | Synchrony Bank | Pinnacle Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 112.57% | 84.55% |
| Core Deposit Ratio | 88.93% | 94.34% |
| Uninsured Deposit Ratio | 11.71% | 48.53% |
Identity
| Metric | Synchrony Bank | Pinnacle Bank |
|---|---|---|
| Headquarters City | DRAPER | NASHVILLE |
| Headquarters State | UT | TN |
| Asset Tier | National | National |
| Charter Class | 715044 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 2 | 442 |
| Employees (FTE) | 9,668 | 8,217 |
| Established | Aug. 1, 1988, midnight | Oct. 27, 2000, 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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