Total Assets
$112.1B
Total balance-sheet footings
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.
- $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.
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.
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 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
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
98th percentile nationally
2.89%
Return on Equity (ROE)
22.52%
Efficiency Ratio
34.85%
What the numbers say about Synchrony Bank
Synchrony Bank is an FDIC-insured institution (Certificate #27314) headquartered in Draper, Utah, established in 1988. It holds $112.1B in total assets - 29th of 4,313 FDIC-insured banks, $83.4B in customer deposits, and $89.9B in net loans. Looking at capital strength, Tier 1 stands at 13.70%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 8.91%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (91/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Synchrony Bank's asset base places it among the largest FDIC-insured institutions in the country, 29th of 4,313 nationally, and 5th of 42 banks headquartered in Utah. Only UBS Bank USA ($119.3B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$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.
Top banks in Utah by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in Utah
All Utah banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Synchrony Bank's health grade?▼
Synchrony Bank receives a health grade of A (91/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Synchrony Bank?▼
Synchrony Bank holds $112.1B in total assets and $83.4B in deposits, ranking 29th of 4,313 FDIC-insured banks by asset size. It is headquartered in Draper, Utah.
Is my money safe at Synchrony Bank?▼
Yes, deposits at Synchrony Bank (Certificate #27314) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Synchrony Bank's Tier 1 Capital Ratio?▼
Synchrony Bank has a Tier 1 Capital Ratio of 13.70%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Synchrony Bank?▼
Synchrony Bank has a Texas Ratio of 8.91%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Synchrony Bank?▼
Synchrony Bank has an Efficiency Ratio of 34.85%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Synchrony Bank's profile as a depositor or analyst.
- Synchrony Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Synchrony Bank against other Utah banks before moving funds. Utah banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.