BlastPoint's Banking Scorecard
Synchrony Bank
Large
Specialty: Credit Card
UT
FDIC cert 27314
Draper, UT
69
banks in Large tier nationally
7 in UT
View Large leaderboard (UT) →
Synchrony Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 1% in Large
- + Net Interest Margin 9.63% above tier
- + Efficiency Ratio 20.18% below tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.57% above tier
- - Loan-to-Deposit Ratio 26.06% above tier
- - Nonperforming Asset Ratio 1.41% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$112.1B
+0.2% YoY
+1.4% QoQ
|
+$37.3B |
$74.9B
-4.4% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$89.9B
-0.1% YoY
+3.8% QoQ
|
+$43.4B |
$46.4B
-2.1% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$83.4B
-0.6% YoY
+1.0% QoQ
|
+$22.9B |
$60.5B
-4.5% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
2.89%
+34.4% YoY
-4.0% QoQ
|
+1.69% |
1.19%
+17.8% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
13.09%
-0.6% YoY
+0.7% QoQ
|
+9.63% |
3.46%
+13.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
34.85%
+7.8% YoY
+2.3% QoQ
|
-20.18% |
55.03%
-2.8% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
2.45%
-10.2% YoY
+1.8% QoQ
|
+1.57% |
0.88%
-0.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
107.78%
+0.5% YoY
+2.8% QoQ
|
+26.06% |
81.72%
+3.9% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.49%
+0.9% YoY
+4.9% QoQ
|
-19.48% |
19.97%
+0.5% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
1.96%
-10.4% YoY
+4.2% QoQ
|
+1.41% |
0.55%
+9.0% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 4% in tier |
| Tier 1 Capital Ratio ? |
13.70%
-0.3% YoY
-4.3% QoQ
|
+0.38% |
13.33%
-0.7% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.66%
+23.5% YoY
+33.6% QoQ
|
-0.43% |
1.09%
+2.4% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#1 of 18 · Top 1% in Large
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.89%
(Tier: 1.19%, National: 1.12%)
18 of 18 Large banks match
·
444 nationally
→ Stable
+5 banks QoQ
Net Interest Margin
metric
Top 1%
in Large
Why this stands out
Current:
13.09%
(Tier avg: 3.46%, National avg: 3.75%)
Efficiency Ratio
metric
Top 4%
in Large
Why this stands out
Current:
34.85%
(Tier avg: 55.03%, National avg: 65.09%)
Concerns (3)
Delinquency Rate
metric
Bottom 6%
in Large
Why this stands out
Current:
2.45%
(Tier avg: 0.88%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Large
Why this stands out
Current:
107.78%
(Tier avg: 81.72%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 4%
in Large
Why this stands out
Current:
1.96%
(Tier avg: 0.55%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Net Interest Margin
Current: 13.09% · Tier avg: 3.46%
96
96th pctile
Return on Assets
Current: 2.89% · Tier avg: 1.19%
96
96th pctile
Efficiency Ratio
Current: 34.85% · Tier avg: 55.03%
87
87th pctile
Total Loans
Current: $89.9B · Tier avg: $46.4B
83
83th pctile
Total Assets
Current: $112.1B · Tier avg: $74.9B
81
81th pctile
Total Deposits
Current: $83.4B · Tier avg: $60.5B
66
66th pctile
Tier 1 Capital Ratio
Current: 13.70% · Tier avg: 13.33%
44
44th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 1.09%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 0.49% · Tier avg: 19.97%
6
6th pctile
Delinquency Rate
Current: 2.45% · Tier avg: 0.88%
4
4th pctile
Nonperforming Asset Ratio
Current: 1.96% · Tier avg: 0.55%
3
3th pctile
Loan-to-Deposit Ratio
Current: 107.78% · Tier avg: 81.72%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 107.78% · Tier avg: 81.72%
4
4th pctile
Nonperforming Asset Ratio
Current: 1.96% · Tier avg: 0.55%
6
6th pctile
Delinquency Rate
Current: 2.45% · Tier avg: 0.88%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 0.49% · Tier avg: 19.97%
44
44th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 1.09%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.70% · Tier avg: 13.33%
81
81th pctile
Total Deposits
Current: $83.4B · Tier avg: $60.5B
83
83th pctile
Total Assets
Current: $112.1B · Tier avg: $74.9B
87
87th pctile
Total Loans
Current: $89.9B · Tier avg: $46.4B
96
96th pctile
Efficiency Ratio
Current: 34.85% · Tier avg: 55.03%
96
96th pctile
Return on Assets
Current: 2.89% · Tier avg: 1.19%
100
100th pctile
Net Interest Margin
Current: 13.09% · Tier avg: 3.46%