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
Unfavorable gap of $4.8B · efficiency ratio beats 88% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.82% | 1.00% | 1.26% | 1.54% | Beats 96% | 6 / 144 | |
| Return on Equity | 21.83% | 8.98% | 11.34% | 14.40% | Beats 93% | 10 / 144 | |
| Net Interest Margin | 12.17% | 2.82% | 3.31% | 3.68% | Beats 99% | 2 / 144 | |
| Efficiency Ratio | 36.84% | 49.42% | 56.02% | 62.41% | Beats 88% | 18 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.04% | 0.48% | 0.73% | 1.07% | Beats 8% | 132 / 142 | |
| Net Charge-Offs / Loans | 3.55% | 0.05% | 0.11% | 0.22% | Beats 2% | 140 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 14.35% | 12.07% | 12.98% | 14.92% | Beats 67% | 47 / 144 | |
| Total Risk-Based Capital Ratio | 16.46% | 13.39% | 14.14% | 16.25% | Beats 78% | 31 / 144 | |
| Equity / Assets | 12.90% | 9.69% | 11.39% | 12.96% | Beats 74% | 37 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 114.88% | 75.72% | 84.92% | 91.56% | 97th pctl | 5 / 143 | |
| Loans / Assets | 85.71% | 59.83% | 69.07% | 74.80% | 97th pctl | 4 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |