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BDI
SB

Synchrony Bank

Draper, UtahFDIC Cert #27314

OCCEstablished 19882 branches

Holding company: SYNCHRONY FINANCIALRegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
2.30%
+1.2%y/y
Peer standing50th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICP3ASSET + LNLSGR
90+ %
2.27%
−1.3%y/y
Peer standing50th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICP9ASSET + LNLSGR
Nonaccrual %
0.05%
+42.4%y/y
Peer standing67th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNAASSET + LNLSGR
Noncurrent %
2.32%
−0.7%y/y
Peer standing50th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
1.95%
+0.2%y/y
Peer standing50th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$2.24B
+0.2%y/y
Peer standing17th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
5.43%
−14.3%y/y
Peer standing50th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNTLNLS + LNLSGR
NCO
$1.32B
−15.0%y/y
Peer standing17th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
10.53%
−4.2%y/y
Percentile by value50th percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICLNATRES + LNLSGR
30–89
$2.22B
+2.2%y/y
Peer standing17th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICP3ASSET
90+
$2.2B
−0.4%y/y
Peer standing17th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICP9ASSET
Nonaccrual
$46M
+43.8%y/y
Peer standing50th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNAASSET