What is Synchrony Bank's financial health grade?

Synchrony Bank has a TFS Financial Health Grade of D+ (score: 69.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Synchrony Bank have?

Synchrony Bank has 2 branch locations across the United States.

Is Synchrony Bank FDIC insured?

Yes, Synchrony Bank is FDIC insured (Certificate #27314).

What are the total assets of Synchrony Bank?

Synchrony Bank has total assets of $112.1B as reported in its most recent FDIC filing.

How many CFPB complaints has Synchrony Bank received?

Synchrony Bank has received 100 consumer complaints filed with the CFPB, with 100 in the last 12 months.

Synchrony Bank

BankDraper, Utah

www.synchronybank.com

Total Assets

$112.1B

Total Deposits

$83.4B

Branches

Established

1988

TFS Health Grade

D+

69.5 / 100

Below average financial health

How we grade

Synchrony Bank is a bank headquartered in Draper, Utah, established in 1988. With $112.1B in total assets and 2 branch locations, it has a TFS Financial Health Grade of D+ (69.5/100). The CFPB has received 100 consumer complaints about this institution.

Capital & Safety

Tier 1 Capital Ratio

12.44%(8%)

Total Capital Ratio

15.81%(10%)

Non-Performing Loan Ratio

2.20%

Profitability

Return on Assets (ROA)

2.89%(1%)

Return on Equity (ROE)

22.52%(10%)

Net Interest Margin

13.09%

Efficiency Ratio

34.85%(60%)

Lending & Liquidity

Total Loans

$100.0B

Loan-to-Deposit Ratio

107.78%

Net Charge-Off Ratio

5.66%

Growth

Asset Growth (YoY)

+0.16%

Deposit Growth (YoY)

-0.63%

Net Income

$3.3B

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Total Complaints

100

Last 12 Months

100

Timely Response Rate

100.00%

Complaints by Product

Product	Count
Credit card	51
Credit reporting or other personal consumer reports	28
Debt collection	18
Checking or savings account	2
Money transfer, virtual currency, or money service	1

Data sourced from CFPB Consumer Complaint Database. 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.