Side-by-side · Q2 2026 data
Synchrony Bank vs Morgan Stanley Bank, National Association
Metric by metric
| Measure | Synchrony Bank | Morgan Stanley Bank, National Association |
|---|---|---|
| TellerScore | 68 | 74 (stronger) |
| Capital cushion | 76 (stronger) | 54 |
| Loan quality | 32 | 84 (stronger) |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 57 | 70 (stronger) |
| Problem-loan coverage | 84 | 97 (stronger) |
| Peer percentile | 90th | 97th |
| Total assets | $115.2B | $419.3B |
| Deposits / shares | $86.0B | $278.9B |
| Capital ratio | 12.56% (stronger) | 10.44% |
| Problem loans | 2.04% | 0.47% (stronger) |
| Net charge-offs | 5.39% | 0.08% (stronger) |
| Return on assets | 2.84% (stronger) | 1.56% |
| Loans ÷ deposits | 103.2% | 41.1% (stronger) |
| Uninsured deposits | 11.9% (stronger) | 42.4% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | 38,382 | — |
| Complaints per $1B deposits | 446.5 | — |
| Mortgage denial rate (HMDA) | — | — |
Morgan Stanley Bank, National Association has the higher TellerScore (74 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Synchrony Bank leads on 3 and Morgan Stanley Bank, National Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.