FDIC Cert #27314 · Draper, Utah · Est. 1988

Synchrony Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$112.1B
Total assets
A
Health grade · Excellent
2.89%
Return on assets
13.7%
Tier 1 capital

Data updated July 2026

The verdict

Synchrony Bank earns a PlainBankData health grade of A (91/100), with well-capitalized at 13.70% Tier 1, profitable at 2.89% ROA, efficient (35% cost ratio).

#29
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
13.70%
Tier 1 ratio - above the 10% well-capitalized line
98th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 27314 · UT A · 91/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MEGA · BOOK-FULL

  • GRADE-A A (91/100)
  • UPPER-Q #740/4307
  • PHOTO-FINISH State Bank of Texas · TX
  • TIER1-WELL 13.7% Tier 1
  • TEXAS-CLEAN 8.9% Texas
  • ROA-STRONG 2.89% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside Utah: State Bank of Texas, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Synchrony Bank

Lowest and highest poles plus nearest scored peers outside Utah, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Plumas Bank · CA · near91/100State Bank of Texas · TX · n…91/100Synchrony Bank · UT · this b…91/100THE HOME LOAN SAVING… · OH ·…91/100Unity Bank · NJ · near91/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Synchrony Bank · July 2026

What Synchrony Bank's Call Report plate shows

Synchrony Bank (FDIC Cert #27314) carries a PlainBankData health grade of A at 91/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #740 of 4,307. Tier 1 capital prints at 13.70%, clearing the 10% well-capitalized line. The Texas Ratio is 8.91%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.89%. Balance-sheet scale is $112.1B, 29th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is State Bank of Texas (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Synchrony Bank

8 FAILURE resolutions in Utah since 2000 (7 since 2008)

Synchrony Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Synchrony Bank remains an active FDIC-insured reporter.

  • PROFICIO BANK COTTONWOOD HEIGHTS, UT 2017 → CACHE VALLEY BANK
  • SUNFIRST BANK SAINT GEORGE, UT 2011 → CACHE VALLEY BANK
  • CENTENNIAL BANK OGDEN, UT 2010

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Utah banks.

How Synchrony Bank's 91/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10091/100
Synchrony Bank's composite health score
Tier 1 Capital Ratio (13.70%) 35/40
Return on Assets (ROA) (2.89%) 25/25
Texas Ratio (8.91%) 16/20
Efficiency Ratio (34.85%) 15/15

91 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$112.1B

Total balance-sheet footings

Total Deposits

$83.4B

Customer-funded liabilities

Net Loans

$89.9B

Outstanding loan book

Net Income

$3.3B

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.3% 13.7% 15.1%
Basel III capital ratios - Synchrony Bank

Where Synchrony Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Synchrony Bank's score of 91/100 falls in the highlighted band.

Synchrony Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

91 Top 17% higher than 83% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Synchrony Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Synchrony Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Synchrony Bank's $112.1B falls in the highlighted band.

Safety ratios for Synchrony Bank

Tier 1 capital ratio
Well-capitalized 10%

13.70% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.70%
Texas Ratio
8.91%
Equity Capital
$14.6B

What these ratios mean →

Earnings posture at Synchrony Bank

Return on Assets (ROA)
98th percentile nationally
2.89%
Return on Equity (ROE)
22.52%
Efficiency Ratio
34.85%

What these mean →

Income & expense at Synchrony Bank

$17.9B
Interest Income
$741M
Non-Interest Income
$5.2B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Synchrony Bank reports a Texas Ratio of 8.91% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

8.91% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Synchrony Bank on FDIC BankFind →

Top banks in Utah by total assets

Largest banks headquartered in Utah
  1. 1
    Morgan Stanley Bank $253.3B

    Salt Lake City, UT · Grade A

  2. 2
    American Express National Bank $211.3B

    Sandy, UT · Grade A

  3. 3
    Ally Bank $184.6B

    Sandy, UT · Grade A

  4. 4
    UBS Bank USA $119.3B

    Salt Lake City, UT · Grade A

  5. 5
    Synchrony Bank $112.1B

    Draper, UT · Grade A

Top 5 banks in Utah ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Synchrony Bank by assets

Synchrony Bank is closely matched in total assets by USAA Federal Savings Bank, UBS Bank USA, Santander Bank, City National Bank across 4 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 0.99%, versus Synchrony Bank's own 2.89%; the average efficiency ratio is 57.80%, versus 34.85% here; and average Tier 1 capital sits at 17.60%, versus 13.70% at Synchrony Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $112.1B in assets, Synchrony Bank sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.

Closest banks to Synchrony Bank nationally by total assets
  1. 1
    USAA Federal Savings Bank $108.0B

    Phoenix, AZ · Grade B

  2. 2
    UBS Bank USA $119.3B

    Salt Lake City, UT · Grade A

  3. 3
    Santander Bank $104.1B

    Wilmington, DE · Grade A

  4. 4
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  5. 5
    Western Alliance Bank $92.7B

    Phoenix, AZ · Grade B

  6. 6
    Zions Bancorporation $89.0B

    Salt Lake City, UT · Grade B

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Synchrony Bank (this bank) UT $112.1B 2.89% 34.85% 13.70%
USAA Federal Savings Bank AZ $108.0B 0.40% 76.02% 16.46%
UBS Bank USA UT $119.3B 1.13% 22.83% 28.98%
Santander Bank, N.A. DE $104.1B 1.36% 59.71% 20.74%
City National Bank CA $98.4B 0.95% 65.09% 16.18%
Western Alliance Bank AZ $92.7B 1.10% 60.19% 11.76%
Zions Bancorporation, N.A. UT $89.0B 1.01% 62.94% 11.48%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($112.1B here), outside Utah so the neighborhood is not state containment.

USAA Federal Savings Bank $108.0B · AZ Santander Bank $104.1B · DE City National Bank $98.4B · CA Western Alliance Bank $92.7B · AZ

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Synchrony Bank (FDIC Cert #27314) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Synchrony Bank Call Report profile · FDIC Failed Bank List · Utah FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Utah

All Utah banks →
BankAssetsGradeROA
Morgan Stanley Bank, National AssociationSalt Lake City $253.3B A 1.86%
American Express National BankSandy $211.3B A 3.89%
Ally BankSandy $184.6B A 0.91%
UBS Bank USASalt Lake City $119.3B A 1.13%
Zions Bancorporation, N.A.Salt Lake City $89.0B B 1.01%
SoFi Bank, National AssociationCottonwood Heights $46.6B A 1.96%
Sallie Mae BankSalt Lake City $29.7B A 2.90%
Optum Bank, Inc.Draper $20.8B A 2.69%