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BDI
SB

Synchrony Bank

Draper, UtahFDIC Cert #27314

OCCEstablished 19882 branches

Holding company: SYNCHRONY FINANCIALRegulator: OCC

FDICCERT + OFFDOM

Profitability, margin & efficiency

Performance

Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.

As of Q1 2026

Returns & margin

Annualized returns and the economics of earning assets and paid funding.

ROA
2.62%
+20.7%y/y
Peer standing50th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNETINC + ROA
ROE
20.33%
+16.9%y/y
Peer standing67th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNETINC + ROE
Pretax ROA
3.42%
+21.9%y/y
Peer standing50th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICPTAXNETINC + ASSET
NIM
12.97%
+1.4%y/y
Peer standing50th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNIM + NIMY
Earning yield
16.31%
−1.9%y/y
Peer standing50th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICINTINCY
IB deposit cost
4.20%
−12.9%y/y
Peer standing17th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
35.90%
+7.0%y/y
Peer standing83rd percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
4.69%
+5.0%y/y
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNONIX + ASSET
Fee share
3.68%
−27.3%y/y
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNONII + NIM
Assets YoY
+0.04%
−96.4%y/y
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICASSET
Deposits YoY
−0.32%
+47.1%y/y
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICDEP
Loans YoY
+1.47%
+181.3%y/y
Percentile by value17th percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICLNLSNET

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
50th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 1.39%Median 2.62%90th 4.34%Observations 7
ROE
FDICNETINC + ROE
62nd percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 9.81%Median 16.90%90th 40.10%Observations 7
NIM
FDICNIM + NIMY
50th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 8.44%Median 12.97%90th 20.65%Observations 7
Efficiency
FDICNONIX + NIM + NONII + EEFFR
83rd percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 34.19%Median 50.04%90th 64.72%Observations 7
Deposits YoY
FDICDEP
12th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th +1.19%Median +4.86%90th +27.30%Observations 7
Loans YoY
FDICLNLSNET
25th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th +0.16%Median +7.12%90th +40.91%Observations 7
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
50th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 1.29%Median 2.32%90th 3.74%Observations 7
Leverage
FDICRBC1AAJ
37th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 9.96%Median 12.45%90th 14.97%Observations 7

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
17th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 3.54%Median 3.92%90th 5.43%Observations 7
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
83rd percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 0%Median 0%90th 12%Observations 7

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.