Synchrony Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and noninterest-bearing balances to assets: 2.94 percentage points lower than in Q1 2026, at 13.46%. Synchrony Bank ranks 6th of 44 Utah banks on loan-to-deposit ratio, in the upper half at 114.88% (Q2 2026). The median for banks in the $100B-250B asset tier is 83.15% on loan-to-deposit ratio. Synchrony Bank sits 31.72 points higher, at 114.88% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.51B |
| Cash and noninterest-bearing balances to assets | 13.46% |
| Cash and securities | $20.92B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $8.37B |
| Subordinated notes and debentures | $750.0M |
| Other borrowed money to assets | 7.26% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 114.88% |
| Net loans and leases to deposits | 103.18% |
| Loans and leases to core deposits | 129.24% |
| Core deposits to total deposits | 81.75% |
| Brokered deposits to total deposits | 7.14% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 116.97% | 73.09% | $0 | $7.21B |
| Q4 2023 | 117.38% | 73.42% | $0 | $6.96B |
| Q1 2024 | 112.21% | 75.07% | $0 | $7.71B |
| Q2 2024 | 114.46% | 75.88% | $0 | $7.61B |
| Q3 2024 | 116.53% | 77.13% | $0 | $8.36B |
| Q4 2024 | 119.73% | 78.09% | $0 | $8.19B |
| Q1 2025 | 111.15% | 79.02% | $0 | $8.94B |
| Q2 2025 | 113.36% | 80.03% | $0 | $8.69B |
| Q3 2025 | 117.08% | 82.11% | $0 | $7.11B |
| Q4 2025 | 119.99% | 81.96% | $0 | $7.86B |
| Q1 2026 | 112.57% | 82.27% | $0 | $8.36B |
| Q2 2026 | 114.88% | 81.75% | $0 | $8.37B |
Synchrony Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Synchrony Bank, freeSource: Call Report Schedules RC and RC-M, 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)