Synchrony Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Synchrony Bank is the 30th-largest bank in the United States, with $115.2 billion in assets at June 30, 2026, up 1.2% from a year earlier. It is headquartered in Draper, Utah. It spends about 38 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 14 banks with $100 billion to $250 billion in assets (median 55 cents). On the other hand, it pays an average of 3.87% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 2.26%).
Credit is the area to watch: it carries problem assets equal to 8.3% of the capital and reserves that would absorb them, higher than about 9 in 10 banks its size (median 5.2%).
As of June 30, 2026, Synchrony Bank reported a CET1 capital ratio of 14.35%, a return on assets of 3.07%, a nonperforming-loan ratio of 2.04% and a Texas ratio of 8.28%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 170 W Election Rd, Draper, UT 84020
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, UT
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- —
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Established
- August 1, 1988
- Former names
- GE Capital Retail Bank (2011-2014); GE Money Bank (2005-2011); GE Capital Consumer Card Co. (2003-2005); GE Capital Consumer Card Company (1993-2003)
- Offices
- 2 domestic
- Employees (FTE)
- 9,671
- Domestic deposits
- $85.97B
- Allowance for credit losses
- $10.06B
- Net charge-offs (YTD)
- $2.65B
- Average total assets
- $114.62B
- Average total loans
- $97.26B
- Average interest-bearing deposits
- $85.14B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 1, 1988
- FDIC Cert
- 27314
- Fed RSSD
- 1216022
- SEC CIK
- 1601712 → filed by SYNCHRONY FINANCIAL
- Website
- www.synchronybank.com →
- Parent Holding Company
- SYNCHRONY FINANCIAL (RSSD 4504654) · SYF
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Synchrony Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Synchrony Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Synchrony Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Synchrony Bank: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.35% | 3.07% | 1.00% | 8.28% | 11.75% |
| Q1 2026 | 14.22% | 2.62% | 1.04% | 9.35% | 11.88% |
| Q4 2025 | 13.70% | 2.55% | 1.00% | 9.23% | 12.32% |
| Q3 2025 | 14.33% | 3.61% | 1.08% | 8.69% | 12.36% |
| Q2 2025 | 14.29% | 3.25% | 1.10% | 8.36% | 11.52% |
| Q1 2025 | 14.01% | 2.17% | 1.12% | 9.31% | 11.67% |
| Q4 2024 | 13.74% | 2.32% | 1.06% | 10.37% | 12.10% |
| Q3 2024 | 13.75% | 2.57% | 1.11% | 9.92% | 12.10% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Synchrony Bank (main office) | Draper , UT | 84020 | $85.97B |
| Www.Synchronybank.Com, Www.Paypal.ComUsDigital-WalletManage-MoneyStart-Saving Branch | Lake Mary , FL | 32746 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 12, 2013 | Structure Change | Acquired Metlife Bank, N.A. Sale of Assets for the acquired bank | FFIEC NIC |
| January 31, 2006 | Structure Change | Acquired Belk National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 7, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 7, 2005 | Structure Change | Acquired Monogram Credit Card Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 25, 2003 | Structure Change | Acquired Mill Creek Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
What the public regulatory sources show for Synchrony Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 7.0% of deposits in UT, rank 6 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Synchrony Bank
What are Synchrony Bank's total assets?
As of the Q2 2026 filing, Synchrony Bank reported total assets of $115.22 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Synchrony Bank headquartered?
Synchrony Bank is headquartered in Draper, UT, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was Synchrony Bank founded?
Synchrony Bank was established in 1988, per the FDIC institution directory.
Is Synchrony Bank FDIC-insured?
Yes. Synchrony Bank is an FDIC-insured savings institution (FDIC Certificate #27314). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Synchrony Bank?
Synchrony Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Synchrony Bank's CET1 capital ratio?
Synchrony Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.35% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Synchrony Bank operate?
Synchrony Bank operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Synchrony Bank's Texas Ratio?
Synchrony Bank's Texas Ratio is 8.28% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Synchrony Bank previously called?
The charter now named Synchrony Bank has also operated as GE Capital Retail Bank (2011-2014), GE Money Bank (2005-2011), GE Capital Consumer Card Co. (2003-2005), GE Capital Consumer Card Company (1993-2003), per FDIC structure-change records.
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