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Synchrony Bank
Draper, UT · FDIC Certificate #27314 · Chartered 08/0
Total assets
$115.22B
Total deposits
$85.97B
Total equity
$14.86B
Net loans
$88.70B
Branches (offices)
2
Net income (YTD)
$1.62B
Rank: #30 of 4,213 U.S. banks by assets · #5 of 44 in Utah. Assets changed 1.2% and deposits 1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.84% |
| Return on equity | 22.07% |
| Net interest margin (YTD) | 12.91% |
| Equity to assets | 12.90% |
| Tier 1 leverage ratio | 12.56% |
| Uninsured deposits (share of deposits) | 11.9% |
| Noncurrent loans (share of loans) | 2.04% |
| Net charge-offs (share of loans) | 5.39% |
| Loans to deposits | 103.2% |
| Real estate loans (share of loans) | 0.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $6.00M | 0.0% | |
| Commercial & industrial | $2.60B | 2.9% | |
| Consumer / individual | $96.02B | 108.3% | |
| Construction & development | $6.00M | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $87.02B | $67.81B | $1.65B | $11.77B |
| Jun 2023 | $100.74B | $77.96B | $1.07B | $11.80B |
| Jun 2024 | $112.88B | $85.53B | $1.04B | $13.10B |
| Jun 2025 | $113.90B | $84.80B | $1.54B | $14.63B |
| Jun 2026 | $115.22B | $85.97B | $1.62B | $14.86B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Utah | $85.97B | 1 |
| Florida | $0 | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $85.97B.
Similar-sized banks
Ubs Bank Usa, National Association ($124.44B) · Usaa Federal Savings Bank ($106.19B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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