Synchrony Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.31 percentage points higher than in Q1 2026, at 114.88%. Within Utah, Synchrony Bank is 6th of 44 on loan-to-deposit ratio, 114.88% as of 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $98.76B |
| Net loans and leases | $88.70B |
| Loans held for sale | $0 |
| Loans to total assets | 85.71% |
| Loan-to-deposit ratio | 114.88% |
| Net loans to equity capital | 5.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 2.63% |
| Consumer | 97.23% |
| Credit cards | 91.93% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.02% |
| Construction concentration (Tier 1 capital + allowance) | 0.02% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 17.29% |
| Interest income on loans | $4.21B |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $93.06B | $79.56B | 0.00% | 1.93% | 97.84% |
| Q4 2023 | $98.03B | $83.52B | 0.00% | 1.80% | 97.99% |
| Q1 2024 | $97.20B | $86.62B | 0.00% | 1.89% | 97.90% |
| Q2 2024 | $97.90B | $85.53B | 0.00% | 1.96% | 97.83% |
| Q3 2024 | $98.00B | $84.09B | 0.00% | 1.90% | 97.90% |
| Q4 2024 | $100.45B | $83.90B | 0.00% | 1.75% | 98.08% |
| Q1 2025 | $95.69B | $86.09B | 0.00% | 1.86% | 97.95% |
| Q2 2025 | $96.13B | $84.80B | 0.00% | 1.98% | 97.84% |
| Q3 2025 | $96.67B | $82.57B | 0.00% | 1.94% | 97.89% |
| Q4 2025 | $100.04B | $83.38B | 0.00% | 1.76% | 98.09% |
| Q1 2026 | $96.60B | $85.81B | 0.00% | 1.88% | 97.97% |
| Q2 2026 | $98.76B | $85.97B | 0.00% | 2.63% | 97.23% |
Synchrony Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Synchrony Bank, freeSource: Call Report Schedule RC-C, 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)