Synchrony Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Synchrony Bank of Draper, UT against its peer group of 15 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 3.07% | 1.64% | +1.43% | 92nd top |
| ROAE | 23.80% | 17.13% | +6.67% | 85th top |
| Net Interest Margin | 11.75% | 4.39% | +7.36% | 100th top |
| Efficiency Ratio | 37.51% | 54.91% | -17.40% | 92nd top |
| PPNR / Avg Assets | 8.06% | — | — | 100th top |
| Yield on Earning Assets | 14.83% | 6.69% | +8.14% | 100th top |
| Cost of Funds | 3.87% | 2.47% | +1.40% | 0th bottom |
| Net Interest Spread | 10.96% | — | — | 100th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.00% | 1.53% | -0.53% | 69th above |
| NPA / Total Assets | 0.86% | — | — | 46th below |
| NCO / Avg Loans | 5.50% | 1.10% | +4.40% | 0th bottom |
| ACL / Total Loans | 10.18% | — | — | 100th top |
| ACL / NPLs (Coverage) | 1020.08% | — | — | — |
| Texas Ratio | 8.28% | 5.56% | +2.72% | 0th bottom |
| Provision / NCO | 95.40% | — | — | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.35% | 13.51% | +0.84% | 69th above |
| Tier 1 Ratio | 14.35% | 13.63% | +0.72% | 69th above |
| Total Capital Ratio | 16.46% | — | — | 69th above |
| Leverage Ratio | 12.56% | 9.53% | +3.03% | 100th top |
| Equity / Assets | 12.90% | 9.97% | +2.93% | 92nd top |
| TCE / Tangible Assets | 12.44% | — | — | 100th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 114.88% | 77.94% | +36.94% | 0th bottom |
| Core Deposit Ratio | 81.75% | 84.57% | -2.82% | 31st below |
| Uninsured Deposit Ratio | 11.92% | 34.62% | -22.70% | 85th top |
| Wholesale Funding Ratio | 7.91% | — | — | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.16% | — | — | 23rd bottom |
| Loan Growth (Y/Y) | 2.73% | — | — | 23rd bottom |
| Deposit Growth (Y/Y) | 1.38% | — | — | 23rd bottom |
See Synchrony Bank's peers by name
The 15 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Synchrony Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Synchrony Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Synchrony Bank peer analysis.