Bank Safety Analysis
Is Synchrony Bank (Synchrony Bank) Safe? Draper, Utah
Based on its Q2 2026 call report, Synchrony Bank meets every capital ratio test for well capitalized, its Texas ratio is 8.28%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, Synchrony Bank's CET1 ratio is 14.35%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 14.35%
- Tier 1 leverage ratio (Q2 2026): 12.56%
- Texas ratio (Q2 2026): 8.28%
- Noncurrent loans ratio (Q2 2026): 2.04%
Synchrony Bank is an FDIC-insured savings institution (FDIC Certificate #27314). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Synchrony Bank meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. 1 risk screen is flagged: loan-to-deposit ratio. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in return on assets: 0.44 percentage points higher than in Q1 2026, at 3.07%. Within Utah, Synchrony Bank is 17th of 28 on CET1 ratio, 14.35% as of Q2 2026. Synchrony Bank reported 14.35% on CET1 ratio for Q2 2026, 2.08 points above the 12.27% median for banks in the $100B-250B asset tier. From Q3 2023 to Q2 2026, Synchrony Bank's CET1 ratio ranged between 12.95% (Q1 2024) and 14.35% (Q2 2026) and its Texas ratio ranged between 8.28% (Q2 2026) and 10.66% (Q1 2024). Between Q2 2025 and Q2 2026, Synchrony Bank's CET1 ratio rose from 14.29% to 14.35%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 2.10% to 2.04%, Texas ratio fell from 8.36% to 8.28% and return on assets fell from 3.25% to 3.07%.
Data as of · sourced from FFIEC call reports. How we update
This bank has more than $10 billion in assets. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. The page therefore shows no score or tier for it.
Scorecard by dimension
Peer cohort: $100B to $250B (15 banks) · Industry averages as of Q2 2026.
CET1 of 14.35% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 12.56% is above the 5% well-capitalized threshold.
Nonperforming loans at 2.04% are elevated; merits closer attention.
Texas Ratio of 8.3% is well below the 100% historical failure threshold.
Efficiency ratio of 37.5% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 14.35% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 8.28% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 2.04% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 11.92% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 114.88% | Flags at 100% or above | Flagged |
| Commercial real estate to capital supervisory threshold | 0.02% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 14.35% |
| Q1 2026 | 14.22% |
| Q4 2025 | 13.70% |
| Q3 2025 | 14.33% |
| Q2 2025 | 14.29% |
| Q1 2025 | 14.01% |
| Q4 2024 | 13.74% |
| Q3 2024 | 13.75% |
| Q2 2024 | 13.17% |
| Q1 2024 | 12.95% |
| Q4 2023 | 13.17% |
| Q3 2023 | 13.42% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 8.28% |
| Q1 2026 | 9.35% |
| Q4 2025 | 9.23% |
| Q3 2025 | 8.69% |
| Q2 2025 | 8.36% |
| Q1 2025 | 9.31% |
| Q4 2024 | 10.37% |
| Q3 2024 | 9.92% |
| Q2 2024 | 9.56% |
| Q1 2024 | 10.66% |
| Q4 2023 | 10.50% |
| Q3 2023 | 9.42% |
Synchrony Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 14.35% | 2.04% | 8.28% | 3.07% |
| Mar 31, 2026 | 14.22% | 2.32% | 9.35% | 2.62% |
| Dec 31, 2025 | 13.70% | 2.20% | 9.23% | 2.55% |
| Sep 30, 2025 | 14.33% | 2.16% | 8.69% | 3.61% |
| Jun 30, 2025 | 14.29% | 2.10% | 8.36% | 3.25% |
| Mar 31, 2025 | 14.01% | 2.34% | 9.31% | 2.17% |
| Dec 31, 2024 | 13.74% | 2.44% | 10.37% | 2.32% |
| Sep 30, 2024 | 13.75% | 2.38% | 9.92% | 2.57% |
| Jun 30, 2024 | 13.17% | 2.24% | 9.56% | 2.11% |
| Mar 31, 2024 | 12.95% | 2.47% | 10.66% | 1.60% |
| Dec 31, 2023 | 13.17% | 2.34% | 10.50% | 1.29% |
| Sep 30, 2023 | 13.42% | 2.11% | 9.42% | 2.30% |
Banks with a similar risk profile
1 bank in the same asset tier with the same overall verdict.
Frequently asked
Is Synchrony Bank FDIC insured?
Yes. Synchrony Bank is an FDIC-insured savings institution (FDIC Certificate #27314). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Synchrony Bank well capitalized?
On its Q2 2026 call report, Synchrony Bank's CET1 ratio is 14.35%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are Synchrony Bank's key safety ratios?
For Q2 2026, Synchrony Bank reports CET1 14.35%, leverage 12.56%, Texas ratio 8.28%, noncurrent loans 2.04%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Synchrony Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 27314) · FFIEC NIC profile (RSSD 1216022)
Explore: Full Synchrony Bank profile · Other banks in UT · Metric glossary · How the call report works