BlastPoint's Banking Scorecard

Synchrony Bank

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

Draper, UT

2 branches across FL · UT

137 banks in the $10B-$250B peer group nationally 11 in 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 5.7% in tier
+ Net Interest Margin 9.20% above tier average
+ Efficiency Ratio 18.10% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 33.3% in tier
- Delinquency Rate 1.58% above tier average
- Nonperforming Asset Ratio 1.23% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$114.9B +0.0% YoY +2.4% QoQ	+$67.9B	$47.0B -1.9% YoY	$31.5B +16.1% YoY	$6.2B +9.1% YoY	Top 9.5% in tier
Total Loans ?	$86.4B +1.5% YoY -3.8% QoQ	+$57.1B	$29.4B -0.4% YoY	$18.8B +6.7% YoY	$3.2B +10.8% YoY	Top 6.6% in tier
Total Deposits ?	$85.8B -0.3% YoY +2.9% QoQ	+$47.4B	$38.4B -1.6% YoY	$24.2B +10.6% YoY	$4.8B +8.2% YoY	Top 10.2% in tier
Return on Assets ?	2.62% +20.7% YoY -9.3% QoQ	+1.34%	1.28% +18.7% YoY	2.19% +3.7% YoY	1.23% +13.4% YoY	Top 2.9% in tier
Net Interest Margin ?	12.97% +1.4% YoY -0.9% QoQ	+9.20%	3.77% +5.8% YoY	7.79% +9.7% YoY	3.89% +5.7% YoY	Top 0.7% in tier
Efficiency Ratio ?	35.90% +7.0% YoY +3.0% QoQ	-18.10%	54.01% -3.7% YoY	105.45% +9.4% YoY	66.95% -4.1% YoY	Top 10.9% in tier
Delinquency Rate ?	2.59% -1.2% YoY +5.8% QoQ	+1.58%	1.02% -3.8% YoY	1.46% +7.1% YoY	0.95% +18.8% YoY	Bottom 5.1% in tier
Loan-to-Deposit Ratio ?	100.71% +1.8% YoY -6.6% QoQ	+19.92%	80.79% +1.9% YoY	84.36% +3.4% YoY	76.70% +0.9% YoY	Bottom 5.8% in tier
Non-Interest-Bearing Deposit Share ?	0.50% +4.2% YoY +2.4% QoQ	-19.54%	20.04% +0.2% YoY	17.87% +4.4% YoY	22.01% -1.2% YoY	Bottom 13.9% in tier
Nonperforming Asset Ratio ?	1.95% +0.2% YoY -0.7% QoQ	+1.23%	0.72% +4.2% YoY	1.01% +17.9% YoY	0.67% +19.3% YoY	Bottom 3.6% in tier
Tier 1 Capital Ratio ?	14.22% +1.5% YoY +3.8% QoQ	-1.30%	15.51% -0.4% YoY	22.97% +16.9% YoY	17.06% +0.8% YoY	67%
Non-Interest Income / Assets ?	0.12% -27.4% YoY -82.5% QoQ	-0.11%	0.22% +0.3% YoY	1.04% +5.8% YoY	0.32% +4.1% YoY	33%

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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

#3 of 35 • Top 5.7% in tier

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

Why this signature

Return on Assets: 2.62%

(Tier: 1.28%, National: 1.23%)

better than tier avg

35 of 35 Large banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Strain

risk

#13 of 36 • Bottom 33.3% 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: 100.71%

(Tier: 80.79%, National: 76.70%)

worse than tier avg

36 of 36 Large banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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 137 peers in $10B-$250B

Top Strengths (6 metrics)

Net Interest Margin

profitability

Value: 12.97%

Peer Median: 3.77%

#2 of 137 Top 0.7% in $10B-$250B

Return on Assets

profitability

Value: 2.62%

Peer Median: 1.28%

#5 of 137 Top 2.9% in $10B-$250B

Total Loans

size

Value: $86.42B

Peer Median: $29.36B

#10 of 137 Top 6.6% in $10B-$250B

Total Assets

size

Value: $114.86B

Peer Median: $46.96B

#14 of 137 Top 9.5% in $10B-$250B

Total Deposits

size

Value: $85.81B

Peer Median: $38.42B

#15 of 137 Top 10.2% in $10B-$250B

Efficiency Ratio

profitability

Value: 35.90%

Peer Median: 54.01%

#16 of 137 Top 10.9% in $10B-$250B

Top Weaknesses (4 metrics)

133

Nonperforming Asset Ratio

credit_quality

Value: 1.95%

Peer Median: 0.72%

#133 of 137 Bottom 3.6% in $10B-$250B

130

Delinquency Rate

credit_quality

Value: 2.59%

Peer Median: 1.02%

#130 of 136 Bottom 5.1% in $10B-$250B

130

Loan-to-Deposit Ratio

liquidity

Value: 100.71%

Peer Median: 80.79%

#130 of 137 Bottom 5.8% in $10B-$250B

119

Non-Interest-Bearing Deposit Share

funding

Value: 0.50%

Peer Median: 20.04%

#119 of 137 Bottom 13.9% in $10B-$250B