Side-by-side · Q2 2026 data
Synchrony Bank vs American Express National Bank
Metric by metric
| Measure | Synchrony Bank | American Express National Bank |
|---|---|---|
| TellerScore | 68 | 69 (stronger) |
| Capital cushion | 76 (stronger) | 38 |
| Loan quality | 32 | 79 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 57 | 60 (stronger) |
| Problem-loan coverage | 84 | 91 (stronger) |
| Peer percentile | 90th | 94th |
| Total assets | $115.2B | $213.9B |
| Deposits / shares | $86.0B | $171.6B |
| Capital ratio | 12.56% (stronger) | 8.84% |
| Problem loans | 2.04% | 0.63% (stronger) |
| Net charge-offs | 5.39% | 2.41% (stronger) |
| Return on assets | 2.84% | 3.70% (stronger) |
| Loans ÷ deposits | 103.2% | 97.2% (stronger) |
| Uninsured deposits | 11.9% (stronger) | 18.2% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | 38,382 | 30,584 |
| Complaints per $1B deposits | 446.5 | 178.3 (stronger) |
| Mortgage denial rate (HMDA) | — | — |
American Express National Bank has the higher TellerScore (69 vs 68). On the 8 directional measures above (where higher or lower is clearly better), Synchrony Bank leads on 2 and American Express National Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.