SYNCHRONY BANK

FDIC #27314 · UT · period 20260630

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Total assets62,046,144-13.66% YoY

Total deposits47,827,473-12.76% YoY

Net loans and leases46,714,380-15.09% YoY

Return on assets2.72%+47.38% YoY

Return on equity20.22%+50.90% YoY

Net interest margin13.25%-7.11% YoY

Peer position

Return on assets97thstrength · n=35

Return on equity94thstrength · n=33

Net interest margin100thstrength · n=35

Equity to assets88thstrength · n=33

Noncurrent loans12thopportunity · n=33

Liquid assets18thopportunity · n=33

Brokered deposits48thin line · n=33

Loans to deposits3rdopportunity · n=33

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	62,046,144	47,827,473	46,714,380	2.72	20.22	13.25
2016-06-30	64,615,426	49,527,447	49,234,080	2.42	17.85	13.28
2016-09-30	69,521,405	53,415,558	52,001,675	2.60	19.20	13.40
2016-12-31	71,790,226	54,743,590	57,080,080	2.67	19.68	13.47
2017-03-31	71,865,154	54,825,794	55,019,220	1.84	13.40	14.27
2017-06-30	73,668,489	56,205,604	57,218,607	2.04	14.84	14.37
2017-09-30	75,737,232	56,674,817	58,738,690	2.17	15.93	14.46
2017-12-31	79,166,443	57,808,450	63,189,737	2.10	15.44	14.44
2018-03-31	79,640,139	57,959,424	60,021,485	2.48	18.27	14.05
2018-06-30	84,487,088	61,684,640	61,203,392	2.56	18.97	13.71
2018-09-30	90,195,000	64,129,000	69,819,000	2.54	19.06	13.74
2018-12-31	91,787,000	66,743,000	75,190,000	2.78	20.86	13.82
2019-03-31	92,292,000	67,925,000	71,846,000	3.81	28.63	13.03
2019-06-30	92,028,000	68,561,000	72,496,000	3.52	26.56	13.05
2019-09-30	91,937,000	68,252,000	74,454,000	3.69	27.66	13.16
2019-12-31	91,281,000	68,598,000	71,904,000	3.51	26.45	12.88
2020-03-31	85,811,000	67,098,000	64,473,000	1.50	12.49	12.47
2020-06-30	85,264,000	66,884,000	60,348,000	0.95	8.13	11.93
2020-09-30	85,130,000	66,479,000	61,059,000	1.12	9.66	11.74
2020-12-31	85,303,000	65,849,000	64,152,000	1.65	14.18	11.70
2021-03-31	85,431,000	65,272,000	60,155,000	3.97	31.98	11.11
2021-06-30	81,927,000	61,547,000	62,730,000	4.99	37.93	10.96
2021-09-30	82,323,000	62,493,000	64,963,000	5.17	38.25	11.06
2021-12-31	86,064,000	65,111,000	69,948,000	4.76	35.21	11.22
2022-03-31	86,123,000	66,301,000	68,398,000	4.05	29.71	12.38
2022-06-30	87,015,000	67,810,000	68,956,000	3.83	28.16	12.35
2022-09-30	91,750,000	70,767,000	72,163,000	3.57	26.84	12.46
2022-12-31	96,300,000	74,271,000	78,002,000	3.25	25.04	12.58
2023-03-31	99,374,000	77,638,000	77,051,000	2.17	18.43	12.67
2023-06-30	100,739,000	77,963,000	80,523,000	2.16	18.38	12.84
2023-09-30	105,275,000	79,562,000	83,365,000	2.20	18.83	12.94
2023-12-31	109,577,000	83,515,000	87,881,000	1.96	16.94	13.06
2024-03-31	113,551,000	86,623,000	86,737,000	1.59	14.34	13.16
2024-06-30	112,875,000	85,533,000	87,361,000	1.85	16.43	13.03
2024-09-30	111,840,000	84,094,000	87,402,000	2.09	18.18	13.13
2024-12-31	111,939,000	83,902,000	89,941,000	2.15	18.36	13.17
2025-03-31	114,809,000	86,092,000	85,173,000	2.17	17.39	12.79
2025-06-30	113,897,000	84,798,000	85,861,000	2.71	21.49	12.71
2025-09-30	110,559,000	82,569,000	86,572,000	3.01	23.54	13.00
2025-12-31	112,115,000	83,376,000	89,862,000	2.89	22.52	13.09
2026-03-31	114,855,000	85,813,000	86,421,000	2.62	20.33	12.97
2026-06-30	115,217,000	85,967,000	88,698,000	2.84	22.07	12.91

Structure and branch footprint

2 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2013-01-12	7	2777650	1216022
2006-01-31	1	2808723	1216022
2005-02-07	1	1212846	1216022
2003-06-25	1	2636458	1216022

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.