# SYNCHRONY BANK
DRAPER, UT · FDIC certificate 27314 · asset band >$100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $115.22B | |
| Deposits | $85.97B | |
| Loans and leases | $98.76B | |
| Total equity | $14.86B | |
| Loans / deposits | 103.18% (p100 of band) | 72.53% |
| Liquid assets / assets | 18.16% (p6 of band) | |
| Uninsured deposits / deposits | 11.92% (p9 of band) | 42.66% |
| Brokered deposits | 5.33% | |
| Wholesale funding | 12.59% (p62 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.56% (p100 of band) | 9.44% |
| Unrealized securities loss / equity | -7.35% (p72 of band) | -9.97% |
| AOCI / equity | -0.09% (p78 of band) | |
| ROA (annualized) | 2.84% (p97 of band) | 1.18% |
| Net interest margin | 12.91% (p100 of band) | 3.14% |
| Efficiency ratio | 36.71% (p12 of band) | |
| Noncurrent loans | 2.04% (p100 of band) | 0.85% |
| Net charge-offs (annualized) | 4.66% (p100 of band) | |
| Reserve coverage of noncurrent | 499.65% | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.04% (p22 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $79.0M (1% of equity) (p6 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 9671 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10%, charge-offs p90 |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 6 | capital falling |  |
| 2012-06 | 5 |  | capital falling |
| 2012-09 | 5 |  |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 4 |  | liquid assets <10% |
| 2013-06 | 4 |  |  |
| 2013-09 | 5 | liquid assets <10% |  |
| 2013-12 | 6 | capital falling |  |
| 2014-03 | 5 |  | liquid assets <10% |
| 2014-06 | 5 |  |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 4 |  | capital falling |
| 2015-03 | 4 |  |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | capital falling |  |
| 2015-12 | 4 |  | loans exceed deposits |
| 2016-03 | 4 |  |  |
| 2016-06 | 3 |  | capital falling |
| 2016-09 | 4 | noncurrent p90 |  |
| 2016-12 | 6 | loans exceed deposits, capital falling |  |
| 2017-03 | 6 |  |  |
| 2017-06 | 6 |  |  |
| 2017-09 | 6 |  |  |
| 2017-12 | 6 |  |  |
| 2018-03 | 6 | uninsured deposits leaving | capital falling |
| 2018-06 | 4 |  | loans exceed deposits, uninsured deposits leaving |
| 2018-09 | 6 | loans exceed deposits, capital falling |  |
| 2018-12 | 6 |  |  |
| 2019-03 | 5 |  | capital falling |
| 2019-06 | 5 |  |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 5 |  |  |
| 2020-03 | 5 | assets shrinking | loans exceed deposits |
| 2020-06 | 4 |  | noncurrent p90 |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 |  | assets shrinking |
| 2021-06 | 5 | loans exceed deposits, deposits shrinking |  |
| 2021-09 | 5 |  |  |
| 2021-12 | 4 |  | deposits shrinking |
| 2022-03 | 6 | capital falling, noncurrent p90 |  |
| 2022-06 | 5 |  | noncurrent p90 |
| 2022-09 | 6 | noncurrent p90 |  |
| 2022-12 | 6 |  |  |
| 2023-03 | 5 |  | loans exceed deposits |
| 2023-06 | 6 | loans exceed deposits |  |
| 2023-09 | 5 |  | capital falling |
| 2023-12 | 5 |  |  |
| 2024-03 | 6 | capital falling |  |
| 2024-06 | 5 |  | capital falling |
| 2024-09 | 4 |  | brokered >10% |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 |  | loans exceed deposits |
| 2025-06 | 4 | loans exceed deposits |  |
| 2025-09 | 3 |  | wholesale funding >15% |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | capital falling |  |
| 2026-06 | 3 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [The Best CD Rates Of September 2026 (Up To 4.80% APY) - Forbes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9EUGdpYnFpdFRFcHpZVTQxRUpJVElWUThMWlhfTktUY0gtcmF3YkZYekM4aFhnVEF1VjRobGFXRk54TVVLSlVWOHFpbWR2c1oxTVVPVmpKX3JxdG5IZFREQm9leWJBRlc3?oc=5) · Forbes
- 2026-03-26 [What Is WebBank and Are Its Credit Cards Right for You? - NerdWallet](https://news.google.com/rss/articles/CBMibkFVX3lxTE5VT1NLZHhWZFhYTkx5T01vSG45QzJSMGllQjEyRE9LUWVLX1dpR0FmeWNKam9WOTVobU5pVW9hRmc0NXJiSGJ3NklHZDBDVzdtVHR0eVBfZjMwdVdub3djTV9JeVlfYTlBN1ZiNmRR?oc=5) · NerdWallet
- 2026-04-10 [Sallie Mae Bank review (2026): Earn more on your savings while paying fewer fees - Yahoo Finance](https://news.google.com/rss/articles/CBMimwFBVV95cUxPYnIwaS0tTFlqNEoySU5DQnlwc0xXRFpqV1dsLW5vVXR6cmx6QVg3bVZqRTUydF9iWmE5NDJPY2pvQjhtcU9zNDIzZ2ptdHZvbjNoQ1VhcEFjOWY3U01jM3d5TERBVlFUTW43RDcxU0s3RVQ5OUV3VFY1eUpMUGNUNlNiZXlrTm5iQUJFYTBUWUI1SE5vaDc4Q2Jvbw?oc=5) · Yahoo Finance
- 2023-05-20 [Synchrony Bank ordered to pay more than $3 million to resolve civil enforcement action involving frequent or harassing calls to consumers - Riverside County District Attorney's Office](https://news.google.com/rss/articles/CBMiugFBVV95cUxONF9NcVp1NEhNV0VLa0dtbHowelk1V0JUVnhzbUlDYnN4V1BPVk04OGwyRTA3QWtXWWR5SDcyTG9Cd3RwMlR1bHpfQ0JuQUhkeHh5cGtNdGFZSWVIWXI3XzRuak0tdGJLa2hfQlFOcnhpZWxkb0U1Sk9CMUZKZXIyVVlQaHlqb3hRRWF6MjNpeVd6ZldOVkRHZTNZdjRVN1RiWlI0QTRTMjVDVkJhZk0zOTNCV1Jwak9wdnc?oc=5) · Riverside County District Attorney's Office
- 2021-11-16 [Synchrony Bank Agrees to $3.5M Settlement Over Harassing Calls to California Debtors - San Jose Inside](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQU2RCMzBZZnJGdkFqTG02bmVjSnhfczNoTURWcU8wTG9NWE9JM0hDMWNDS1ZkRUdRQVJ6MG1IWUt1dDdsbklDbUdXQ3ZFN1NRdTAxYThFTnJaSTlNR0VJR2NCSFpZQXBEb0NpMkxaRUVDNjUyRTNac3Z0Vzl0YkhZTlM2eGc3N0ZxRE9PTzRRbl9CSEMxQ0MxamRwQi1QWG5tRnB0empmUmtxdVZETVJlUENEa3hZckRiMUVn?oc=5) · San Jose Inside
- 2024-03-19 [Texas federal judge hearing trade group lawsuit challenging CFPB final credit card late fee rule questions whether venue is proper and orders expedited briefing - consumerfinancemonitor.com](https://news.google.com/rss/articles/CBMitgJBVV95cUxQTFkwN1ZLYjNtUktCeW8zalJrRmV6Z2E0bTc5bjJiUWoyTHdKaEhjVERxbFBwZEM5cTJVbXF1anZKa0JrMlV1WWZDZXh1WUtyZHlsXzZ2ekRnR1lIZTM5WXhtQ1RMNnczckRsV01OOFFfQU5OOGZYYURpcWdZR3lJVjJqQ2tWQ0VpZ2cyYlM1czlsdHNIZmFYYktBMjVvb2F6N2NiZ2JTejRTU1dzQUFsVWZGbTZqc01JS1FaWEt2b1hOYTdkV1R3R09BcVJHak4tZ0FqZUFYdW42TWNwRmN4YmdfSDA5LVMzYTBydFV4MVktXy0yUlQ5eVFack9rWm9qOU5JdlVNOEVIeW91Zk0wckF6VnhGZEZQeU5DQnhnR0FOeVB6SGZ0REtHUWxlS014YWF5Q2Fn?oc=5) · consumerfinancemonitor.com
- 2026-02-27 [Ally Bank review (2026): Top rated online bank with a no-fee model - Yahoo Finance](https://news.google.com/rss/articles/CBMikwFBVV95cUxPV1M1V3c2a2ozMWFyWEUwUnVPU3JUR21nemk2OGw5SWdsTm50Mk9xb1BOeGlBUjdjSGNVaVNmSDgyQ3F6UkRSMENDNjBnYzZBZ01aaDhfXzJ5czFPck9laHFvT3E3N19WWUg4aFBQZks4Yk1DOTJ2Y3oyajBDd3dJZ1JlclNJa0FtZEJhRWdOeW5QbDQ?oc=5) · Yahoo Finance
- 2016-10-07 [Synchrony's run as No. 1 KC bank will be brief – by choice - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQYm9NTThBSmloSmpseFhDZjNObUw1YVAxWGJSTldWSmphZnBMOWlFREVuOHRHTm9uUGotejh2S1Z2bGdDV2p6S2VjZ2VhWnBWRkJEZzF1T3BTSGtObTFONThRdHI2ZzNQNGwzQUJ0NUtBWTV2WV93cVdjMGt0RjItM3BUZHBFLVkycEtpcUE5emc0SG5LRXFoRHpqM1Z4TVh0eWRaQmRB?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27314 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/50.json (key "27314", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide