Synchrony Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Common equity Tier 1 capital, which rose 3.3% to $14.32B. Synchrony Bank ranks 17th of 28 Utah banks on CET1 ratio, in the lower half at 14.35% (Q2 2026). The median for banks in the $100B-250B asset tier is 12.27% on CET1 ratio. Synchrony Bank sits 2.08 points higher, at 14.35% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.35% |
| Tier 1 risk-based capital ratio | 14.35% |
| Total risk-based capital ratio | 16.46% |
| Tier 1 leverage ratio | 12.56% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $14.32B |
| Tier 1 capital | $14.32B |
| Total risk-based capital | $16.43B |
| Total equity capital | $14.86B |
| Risk-weighted assets | $99.79B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.90% |
| Tangible equity to tangible assets | 12.44% |
| Equity capital to average assets | 12.96% |
| Internal capital growth rate | 4.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $6.17B |
| Retained earnings | $8.71B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19.0M |
| Subordinated notes and debentures | $750.0M |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.42% | 13.42% | 15.58% | 12.08% | $92.44B |
| Q4 2023 | 13.17% | 13.17% | 15.28% | 11.98% | $97.78B |
| Q1 2024 | 12.95% | 12.95% | 15.07% | 11.40% | $98.00B |
| Q2 2024 | 13.17% | 13.17% | 15.29% | 11.58% | $98.55B |
| Q3 2024 | 13.75% | 13.75% | 15.88% | 12.08% | $98.15B |
| Q4 2024 | 13.74% | 13.74% | 15.84% | 12.37% | $100.46B |
| Q1 2025 | 14.01% | 14.01% | 16.16% | 12.05% | $96.71B |
| Q2 2025 | 14.29% | 14.29% | 16.42% | 12.29% | $96.98B |
| Q3 2025 | 14.33% | 14.33% | 16.46% | 12.57% | $97.25B |
| Q4 2025 | 13.70% | 13.70% | 15.81% | 12.44% | $100.19B |
| Q1 2026 | 14.22% | 14.22% | 16.35% | 12.33% | $97.51B |
| Q2 2026 | 14.35% | 14.35% | 16.46% | 12.56% | $99.79B |
Synchrony Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Synchrony Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Synchrony Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27314) · FFIEC NIC profile (RSSD 1216022)