Draper, UT · Cert 27314 · Synchrony Financial
State savings bank · OCC · 2 branches
Q2 2026
Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 7.3% share · #6 of 57 inst. · $86.0B of $1175.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.09% | 2.15% | 2.17% | 2.71% | 3.01% | 2.89% | 2.62% | 2.84% | +14 bps | |
| Return on Equity | 18.18% | 18.36% | 17.39% | 21.49% | 23.54% | 22.52% | 20.33% | 22.07% | +58 bps | |
| Net Interest Margin | 12.43% | 12.47% | 12.14% | 12.05% | 12.44% | 12.56% | 12.30% | 12.17% | +12 bps | |
| Efficiency Ratio | 31.76% | 32.33% | 33.56% | 33.76% | 34.06% | 34.85% | 35.90% | 36.71% | +295 bps | |
| Non-Interest Burden | 3.73% | 3.84% | 3.82% | 3.81% | 3.90% | 4.04% | 4.23% | 4.15% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.24% | 2.16% | 1.11% | 0.91% | -1.15% | 0.16% | 0.04% | 1.16% | +25 bps | |
| Loan Growth (YoY) | 5.30% | 2.47% | -1.55% | -1.81% | -1.35% | -0.41% | 0.95% | 2.73% | +454 bps | |
| Deposit Growth (YoY) | 5.70% | 0.46% | -0.61% | -0.86% | -1.81% | -0.63% | -0.32% | 1.38% | +224 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.38% | 2.44% | 2.34% | 2.10% | 2.16% | 2.20% | 2.32% | 2.04% | -6 bps | |
| Net Charge-Offs / Loans | 6.31% | 6.23% | 6.48% | 6.09% | 5.79% | 5.53% | 5.45% | 5.38% | -71 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.08% | 12.37% | 12.05% | 12.29% | 12.57% | 12.44% | 12.33% | 12.56% | +26 bps | |
| Total Risk-Based Capital | 15.88% | 15.84% | 16.16% | 16.42% | 16.46% | 15.81% | 16.35% | 16.46% | +4 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 116.53% | 119.73% | 111.15% | 113.36% | 117.08% | 119.99% | 112.57% | 114.88% | +151 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |