BlastPoint's Banking Scorecard

Synchrony Bank

$10B-$250B Specialty: Credit Card UT FDIC cert 27314

Draper, UT

2 branches across FL · UT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 12 in UT.
Deposits +1.4% year over year ($86.0B on the books).
Delinquency rate 2.27%.
Return on assets 2.84%.
Efficiency ratio 36.71% vs a 53.67% peer average.
Loan-to-deposit ratio 103.18% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 12 in UT

View $10B-$250B leaderboard (UT) →

Synchrony Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 17.1% in tier
+ Net Interest Margin 8.99% above tier average
+ Efficiency Ratio 16.96% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Delinquency Rate 1.25% above tier average
- Nonperforming Asset Ratio 1.02% above tier average

Get updates when Synchrony Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$115.2B +1.2% YoY +0.3% QoQ	+$71.6B	$43.6B -13.8% YoY	$31.1B +21.2% YoY	$6.3B +7.7% YoY	Top 7.9% in tier
Total Loans ?	$88.7B +3.3% YoY +2.6% QoQ	+$60.7B	$28.0B -8.6% YoY	$18.5B +10.6% YoY	$3.2B +9.4% YoY	Top 5.8% in tier
Total Deposits ?	$86.0B +1.4% YoY +0.2% QoQ	+$50.5B	$35.4B -14.0% YoY	$23.9B +15.2% YoY	$4.9B +7.3% YoY	Top 8.6% in tier
Return on Assets ?	2.84% +5.1% YoY +8.6% QoQ	+1.45%	1.39% +25.9% YoY	2.15% +9.7% YoY	1.30% +12.1% YoY	Top 2.9% in tier
Net Interest Margin ?	12.91% +1.6% YoY -0.5% QoQ	+8.99%	3.92% +8.9% YoY	7.81% +8.6% YoY	3.95% +4.9% YoY	Top 0.7% in tier
Efficiency Ratio ?	36.71% +8.7% YoY +2.3% QoQ	-16.96%	53.67% -1.9% YoY	105.46% +37.7% YoY	70.05% +2.5% YoY	Top 10.8% in tier
Delinquency Rate ?	2.27% -3.2% YoY -12.5% QoQ	+1.25%	1.01% -2.8% YoY	1.38% +2.5% YoY	0.98% +16.3% YoY	Bottom 7.2% in tier
Loan-to-Deposit Ratio ?	103.18% +1.9% YoY +2.5% QoQ	+20.57%	82.61% +3.1% YoY	83.52% +2.9% YoY	79.03% +2.3% YoY	Bottom 5.8% in tier
Non-Interest-Bearing Deposit Share ?	0.52% +6.5% YoY +3.3% QoQ	-20.06%	20.58% +4.9% YoY	17.78% -2.6% YoY	21.98% -0.6% YoY	Bottom 10.8% in tier
Nonperforming Asset Ratio ?	1.75% -1.2% YoY -10.5% QoQ	+1.02%	0.73% +5.8% YoY	0.92% +4.0% YoY	0.69% +15.8% YoY	Bottom 5.0% in tier
Tier 1 Capital Ratio ?	14.35% +0.5% YoY +0.9% QoQ	-1.00%	15.35% -0.4% YoY	21.39% +2.0% YoY	17.09% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.26% -20.0% YoY +128.6% QoQ	-0.23%	0.50% +10.5% YoY	2.21% +5.7% YoY	0.66% +5.2% YoY	38%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Noninterest-Bearing	0.5% 0.0pp YoY 0.0pp QoQ	-20.5pp	21.0%	20.1%	22.2%	8%
Brokered Deposits	7.1% -2.9pp YoY +0.5pp QoQ	-2.1pp	9.2%	28.6%	8.5%	58%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
C&I	2.9% +0.7pp YoY +0.8pp QoQ	-14.3pp	17.2%	25.0%	12.5%	7%
CRE	n/a	n/a	42.0%	44.1%	41.4%	n/a
1-4 Family	n/a	n/a	23.1%	13.8%	31.3%	n/a
Consumer	108.3% -1.3pp YoY -1.3pp QoQ	+95.4pp	12.9%	45.8%	5.0%	97%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
CET1 Ratio	14.3% +0.1pp YoY +0.1pp QoQ	-0.9pp	15.3%	25.0%	19.7%	69%
Leverage Ratio	12.6% +0.3pp YoY +0.2pp QoQ	+2.1pp	10.4%	15.7%	12.6%	91%
Total Capital Ratio	16.5% 0.0pp YoY +0.1pp QoQ	-0.1pp	16.5%	26.3%	20.8%	78%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Full-Time Employees	9,671 -656 (-6.4%) YoY +3 (+0.0%) QoQ	+6,413	3,258	1,029	482	94%
Assets per Employee ($)	$11.9M +8.0% YoY +0.3% QoQ	-$15.1M	$27.0M	$39.6M	$8.8M	47%
Branch Count	1 -1 (-50.0%) YoY 0 QoQ	-137	137	13	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Past Due 90+ Days	2.2% -0.1pp YoY -0.3pp QoQ	+1.8pp	0.4%	0.6%	0.4%	96%
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.7pp	0.7%	1.2%	1.0%	3%
Allowance Coverage	5.00x -2.0% YoY +10.1% QoQ	+2.19x	2.81x	7.86x	20.23x	90%
Net Charge-off Rate (YTD)	5.4% -0.6pp YoY 0.0pp QoQ	+5.0pp	0.4%	3.6%	0.2%	98%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
ROE	22.1% +0.6pp YoY +1.7pp QoQ	+9.4pp	12.6%	15.9%	11.6%	91%
Cost of Funds (YTD)	3.4% -0.4pp YoY 0.0pp QoQ	+1.4pp	2.0%	2.3%	1.7%	95%
Net Income ($, YTD)	$1.6B +5.5% YoY — QoQ	+$1.3B	$296.8M	$307.8M	$40.4M	99%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#7 of 35 • Top 17.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.84%

(Tier: 1.39%, National: 1.30%)

better than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Liquidity Strain

risk

#21 of 40 • Bottom 50.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 103.18%

(Tier: 82.61%, National: 79.03%)

worse than tier avg

40 of 40 Large banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (6 metrics)

Net Interest Margin

profitability

Value: 12.91%

Peer Median: 3.92%

#2 of 139 Top 0.7% in $10B-$250B

Return on Assets

profitability

Value: 2.84%

Peer Median: 1.39%

#5 of 139 Top 2.9% in $10B-$250B

Total Loans

size

Value: $88.70B

Peer Median: $27.97B

#9 of 139 Top 5.8% in $10B-$250B

Total Assets

size

Value: $115.22B

Peer Median: $43.60B

#12 of 139 Top 7.9% in $10B-$250B

Total Deposits

size

Value: $85.97B

Peer Median: $35.42B

#13 of 139 Top 8.6% in $10B-$250B

Efficiency Ratio

profitability

Value: 36.71%

Peer Median: 53.67%

#16 of 139 Top 10.8% in $10B-$250B

Top Weaknesses (4 metrics)

133

Nonperforming Asset Ratio

credit_quality

Value: 1.75%

Peer Median: 0.73%

#133 of 139 Bottom 5.0% in $10B-$250B

132

Loan-to-Deposit Ratio

liquidity

Value: 103.18%

Peer Median: 82.61%

#132 of 139 Bottom 5.8% in $10B-$250B

129

Delinquency Rate

credit_quality

Value: 2.27%

Peer Median: 1.01%

#129 of 138 Bottom 7.2% in $10B-$250B

125

Non-Interest-Bearing Deposit Share

funding

Value: 0.52%

Peer Median: 20.58%

#125 of 139 Bottom 10.8% in $10B-$250B