TellerScore

Headquartered in Draper, Utah, Synchrony Bank is a savings bank with $115.2B in total assets and $86.0B in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1988.

Synchrony Bank has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than 90% of its 32 banks with over $100 billion. Among 45 banks headquartered in Utah, it ranks 31st. Earnings contributes the most (100/100, 2.84%); loan quality contributes the least (32/100, 2.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Tier 1 leverage ratio: 12.56%
Loan quality32/100
Noncurrent loans ÷ total loans: 2.04%
Earnings100/100
Return on assets (annualized): 2.84%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 103.2% · 11.9% uninsured
Problem-loan coverage84/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.08%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 68).

TellerScore
626568Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202463
Q4 202463
Q1 202564
Q2 202567
Q3 202566
Q4 202565
Q1 202665
Q2 202668
Tier 1 leverage ratio
5.00%8.79%12.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.58%
Q3 202412.08%
Q4 202412.37%
Q1 202512.05%
Q2 202512.29%
Q3 202512.57%
Q4 202512.44%
Q1 202612.33%
Q2 202612.56%
Noncurrent loans
2.04%2.24%2.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.24%
Q3 20242.38%
Q4 20242.44%
Q1 20252.34%
Q2 20252.10%
Q3 20252.16%
Q4 20252.20%
Q1 20262.32%
Q2 20262.04%
Return on assets
1.85%2.43%3.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.85%
Q3 20242.09%
Q4 20242.15%
Q1 20252.17%
Q2 20252.71%
Q3 20253.01%
Q4 20252.89%
Q1 20262.62%
Q2 20262.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$115.2B12.56%2.04%2.84%103.2%
Q1 202665$114.9B12.33%2.32%2.62%100.7%
Q4 202565$112.1B12.44%2.20%2.89%107.8%
Q3 202566$110.6B12.57%2.16%3.01%104.8%
Q2 202567$113.9B12.29%2.10%2.71%101.3%
Q1 202564$114.8B12.05%2.34%2.17%98.9%
Q4 202463$111.9B12.37%2.44%2.15%107.2%
Q3 202463$111.8B12.08%2.38%2.09%103.9%
Q2 202462$112.9B11.58%2.24%1.85%102.1%

32 peers · Over $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.56%
100th
Total risk-based capital16.46%
74th
Problem loans2.04%
0th
Net charge-offs5.39%
0th
Return on assets2.84%
97th
Net interest margin12.91%
100th
Efficiency ratio36.7%
90th
Loans to deposits103.2%
0th
Uninsured deposits11.9%
94th
Loan-loss reserves10.18%
100th
Texas ratio8.1%
0th

Similar-size banks in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
UBS Bank USA, National AssociationBank Salt Lake City, UT64 out of 100, Moderate$124.4B8.1%0.12%vs
Ally BankBank Sandy, UT65 out of 100, Moderate$188.2B9.6%0.85%vs
American Express National BankBank Sandy, UT69 out of 100, Moderate$213.9B8.8%0.63%vs
Morgan Stanley Bank, National AssociationBank Salt Lake City, UT74 out of 100, Strong$419.3B10.4%0.47%vs

Deposit insurance

Is my money safe at Synchrony Bank?

Yes. Synchrony Bank is an FDIC-insured institution (FDIC certificate #27314). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.9% of deposits ($10.2B) are above the $250,000 FDIC insurance limit, below the peer median of 43%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.56%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.46% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Synchrony Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 38,382 consumer complaints about SYNCHRONY FINANCIAL to the company (16,391 in the last 12 months). 98.3% received a timely response. That is 446.5 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

Identity & history

Profile

Legal name
Synchrony Bank
Former names
GE Money Bank; GE Capital Consumer Card Company; Monogram Bank, USA; GE Capital Retail Bank; GE Capital Consumer Card Co.
Type
Savings bank
FDIC certificate #
27314
RSSD ID
1216022
Primary regulator
OCC
Holding company
Synchrony Financial
Established
August 1, 1988
Headquarters
170 W Election Rd, Draper, UT 84020
Employees
9,671

Quick answers

Synchrony Bank: common questions

Is Synchrony Bank FDIC insured?

Yes. Synchrony Bank is an FDIC-insured institution (FDIC certificate #27314). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Synchrony Bank's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Synchrony Bank ever failed?

There is no failure record for FDIC certificate #27314 in the FDIC failed bank list.

How many branches does Synchrony Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Draper

InstitutionScoreAssetsCapitalProblem loansCompare
Uintah Credit UnionCredit union Vernal, UT100 out of 100, Very strong$3.9M21.3%0.00%vs
Optum Bank, Inc.Bank Draper, UT93 out of 100, Very strong$21.4B13.2%0.21%vs
Norfolk Fire Department Federal Credit UnionCredit union Norfolk, VA93 out of 100, Very strong$26.8M20.1%0.41%vs
Beckstrand and Associates Credit UnionCredit union Salt Lake City, UT93 out of 100, Very strong$166K99.9%—vs
Wiremen'S Credit UnionCredit union Parma, OH92 out of 100, Very strong$40.6M17.0%0.11%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs