Total Assets
$115.2B
Total Deposits
$86.0B
Branches
2
Established
1988
Synchrony Bank is a bank headquartered in Draper, Utah, established in 1988. It holds $115.2B in total assets across 2 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Synchrony Bank earns a TFS Financial Health Grade of C+ (71.4/100) — our editorial assessment, not an official rating or financial advice. TFS matched 16,724 published CFPB complaints to this institution's parent company in the latest complete 12-month window.
TFS Health Grade
71.4 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS September 26, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Complete 12-Month Window
16,724
Latest Complete 90 Days
3,681
Timely Response Rate
96.25%
| Product | Count |
|---|---|
| Credit card | 9,057 |
| Credit reporting or other personal consumer reports | 3,792 |
| Debt collection | 3,206 |
| Checking or savings account | 262 |
| Payday loan, title loan, personal loan, or advance loan | 239 |
| Money transfer, virtual currency, or money service | 87 |
| Debt or credit management | 39 |
| Vehicle loan or lease | 26 |
| Prepaid card | 15 |
| Mortgage | 1 |
Data sourced from CFPB Consumer Complaint Database as of Wed Sep 17 2025 00:00:00 GMT+0000 (Coordinated Universal Time) through Wed Sep 16 2026 00:00:00 GMT+0000 (Coordinated Universal Time). This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Synchrony BankHQ | 170 W Election Rd | Draper | UT | 11 |
| Synchrony Bank | 965 Keller Rd | Altamonte Springs | FL | 13 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC and OCC enforcement records; NCUA catalog monitored. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 24 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
71.4
Tier 1 capital ratio
12.56%
Return on assets
2.84%
Non-performing loans
2.04%
Efficiency ratio
36.71%
Asset growth (YoY)
1.16%
Suggested direct comparisons
Draper, UT
$337.8M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.