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Synchrony Bank

Draper, UT · Cert 27314 · Synchrony Financial

State savings bank · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

73

Q2 2024Q2 2026peer median (50)

Asset Quality

5

Q2 2024Q2 2026peer median (50)

Profitability

96

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

88

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Synchrony Bank

Draper, UT · Cert 27314 · Synchrony Financial

State savings bank · OCC · 2 branches

Q2 2026

$115.2BAssets
$98.8BLoans
$86.0BDeposits
$14.9BEquity
Loan mix
0%RE $0.0B2%C&I $1.8B98%Consumer $94.6BQ2 2025Q2 2026
Deposit mix
99%Interest-bearing $85.5B1%Noninterest $0.4BQ2 2025Q2 2026

NIM

16.27%Q2 ’2415.65%Q2 ’2515.33%Q2 ’26-2%+1%

Non-interest income vs. expense

4.26%Q2 ’244.47%Q2 ’254.68%Q2 ’26+1%+9%

Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 7.3% share · #6 of 57 inst. · $86.0B of $1175.7B

7.3% Salt Lake
0.0% Seminole

Executive Summary

  • Earnings: ROA of 2.84%, up 14 bps year over year; NIM at 12.17%.
  • Asset quality: problem loans at 2.04% of loans (-6 bps YoY), with net charge-offs at 5.38%.
  • Capital: tier 1 leverage ratio of 12.56%, up 26 bps from a year ago.
  • Funding: loans stand at 114.88% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.84%+14 bps YoY

Net Interest Margin (YTD, annualized)

12.17%+12 bps YoY

Efficiency Ratio (YTD, annualized)

36.71%+295 bps YoY

Tier 1 Leverage Ratio

12.56%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.71%3.01%2.89%2.62%2.84%+14 bps
Return on Equity21.49%23.54%22.52%20.33%22.07%+58 bps
Net Interest Margin12.05%12.44%12.56%12.30%12.17%+12 bps
Efficiency Ratio33.76%34.06%34.85%35.90%36.71%+295 bps
Non-Interest Burden3.81%3.90%4.04%4.23%4.15%+34 bps
Growth
Asset Growth (YoY)0.91%-1.15%0.16%0.04%1.16%+25 bps
Loan Growth (YoY)-1.81%-1.35%-0.41%0.95%2.73%+454 bps
Deposit Growth (YoY)-0.86%-1.81%-0.63%-0.32%1.38%+224 bps
Asset Quality
Nonperforming Loans / Loans2.10%2.16%2.20%2.32%2.04%-6 bps
Net Charge-Offs / Loans6.09%5.79%5.53%5.45%5.38%-71 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.29%12.57%12.44%12.33%12.56%+26 bps
Total Risk-Based Capital16.42%16.46%15.81%16.35%16.46%+4 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits113.36%117.08%119.99%112.57%114.88%+151 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Synchrony Bank

Draper, UT · Cert 27314 · Peer group: banks over $10B in assets (n=142-144) · Synchrony Financial

State savings bank · OCC · 2 branches

Q2 2026

$115.2BAssets
$98.8BLoans
$86.0BDeposits
$14.9BEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 99% of banks over $10B in assets (rank 2 of 144).
  • Widest gap: net charge-offs / loans trails 98% of banks over $10B in assets (rank 140 of 142).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.82%

Rank 6 of 144

Net Interest Margin

12.17%

Rank 2 of 144

Efficiency Ratio

36.84%

Rank 18 of 144

Equity / Assets

12.90%

Rank 37 of 144

Non-interest income vs. expense

$0.6B$5.4BINCOMEEXPENSE
Unfavorable gap of $4.8B · efficiency ratio beats 88% of banks over $10B in assets
Bank 36.84%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.82%1.00%1.26%1.54%Beats 96%6 / 144
Return on Equity21.83%8.98%11.34%14.40%Beats 93%10 / 144
Net Interest Margin12.17%2.82%3.31%3.68%Beats 99%2 / 144
Efficiency Ratio36.84%49.42%56.02%62.41%Beats 88%18 / 144
Asset Quality
Nonperforming Loans / Loans2.04%0.48%0.73%1.07%Beats 8%132 / 142
Net Charge-Offs / Loans3.55%0.05%0.11%0.22%Beats 2%140 / 142
Capital
Tier 1 Capital Ratio14.35%12.07%12.98%14.92%Beats 67%47 / 144
Total Risk-Based Capital Ratio16.46%13.39%14.14%16.25%Beats 78%31 / 144
Equity / Assets12.90%9.69%11.39%12.96%Beats 74%37 / 144
Liquidity & Funding
Loans / Deposits114.88%75.72%84.92%91.56%97th pctl5 / 143
Loans / Assets85.71%59.83%69.07%74.80%97th pctl4 / 144
Brokered Deposits / Depositsn/aNot reported for this institution