Synchrony Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.31 percentage points higher than in Q1 2026, at 114.88%. Synchrony Bank ranks 13th of 44 Utah banks on return on assets, in the upper half at 3.07% (Q2 2026). Synchrony Bank's return on assets of 3.07% is well above the 1.28% median for banks in the $100B-250B asset tier, a gap of 1.79 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.35% |
| Tier 1 risk-based capital ratio | 14.35% |
| Total risk-based capital ratio | 16.46% |
| Tier 1 leverage ratio | 12.56% |
| Equity capital to assets | 12.90% |
| Tangible equity to tangible assets | 12.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.00% |
| Non-performing assets ratio | 0.86% |
| Net charge-off ratio | 5.50% |
| Texas ratio | 12.21% |
| Allowance for credit losses to loans | 10.18% |
| Reserve coverage of non-performing loans | 1020.08% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.07% |
| Return on equity | 23.80% |
| Net interest margin | 11.75% |
| Efficiency ratio | 37.51% |
| Yield on earning assets | 14.83% |
| Cost of funds | 3.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 114.88% |
| Core deposits to total deposits | 81.75% |
| Brokered deposits to total deposits | 7.14% |
| Deposits to assets | 74.61% |
| Securities to assets | 4.69% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.42% | 13.42% | 15.58% | 12.08% | 2.30% |
| Q4 2023 | 13.17% | 13.17% | 15.28% | 11.98% | 1.29% |
| Q1 2024 | 12.95% | 12.95% | 15.07% | 11.40% | 1.60% |
| Q2 2024 | 13.17% | 13.17% | 15.29% | 11.58% | 2.11% |
| Q3 2024 | 13.75% | 13.75% | 15.88% | 12.08% | 2.57% |
| Q4 2024 | 13.74% | 13.74% | 15.84% | 12.37% | 2.32% |
| Q1 2025 | 14.01% | 14.01% | 16.16% | 12.05% | 2.17% |
| Q2 2025 | 14.29% | 14.29% | 16.42% | 12.29% | 3.25% |
| Q3 2025 | 14.33% | 14.33% | 16.46% | 12.57% | 3.61% |
| Q4 2025 | 13.70% | 13.70% | 15.81% | 12.44% | 2.55% |
| Q1 2026 | 14.22% | 14.22% | 16.35% | 12.33% | 2.62% |
| Q2 2026 | 14.35% | 14.35% | 16.46% | 12.56% | 3.07% |
Synchrony Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Synchrony Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)