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Synchrony Bank
Draper, UT·FDIC Cert #27314·Charter: OCC·Est. 19880801.0·HC: SYNCHRONY FINANCIAL
Total Assets
$112.1B
Q4 2025
Return on Assets
2.89%
-0.12%Peer avg: 1.20%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
34.85%
Peer avg: 52.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
2.89%-0.12
ROE
22.52%-1.02
Efficiency
34.85%+0.79
Equity/Assets
0.00%+0.00
NPL Ratio
2.45%+0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
107.78%+2.93
Charge-offs
5.66%-0.10
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.6 | 1.9 | 2.1 | 2.1 | 2.2 | 2.7 | 3.0 | 2.9 |
| ROE | 14.3 | 16.4 | 18.2 | 18.4 | 17.4 | 21.5 | 23.5 | 22.5 |
| Efficiency | 32.0 | 32.0 | 31.8 | 32.3 | 33.6 | 33.8 | 34.1 | 34.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 2.8 | 2.5 | 2.7 | 2.7 | 2.6 | 2.3 | 2.4 | 2.5 |
| Charge-offs | 6.3 | 6.4 | 6.3 | 6.4 | 6.3 | 6.0 | 5.8 | 5.7 |
| Loan/Deposit | 100.1 | 102.1 | 103.9 | 107.2 | 98.9 | 101.3 | 104.8 | 107.8 |
Balance Sheet
Total Assets$112.1B
Total Deposits$83.4B
Total Loans$89.9B
Total Equity$14.6B
Profitability
ROA2.89%
ROE22.52%
Efficiency Ratio34.85%
Net Income$3.3B
Risk & Asset Quality
NPL Ratio2.45%
Charge-off Rate5.66%
Loan/Deposit107.78%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans