SYNCHRONY BANK
DRAPER, UTAH · FDIC Cert #27314
Capital & Safety Analysis
According to FDIC financial data, SYNCHRONY BANK holds a Tier 1 capital ratio of 13.17%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning SYNCHRONY BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
SYNCHRONY BANK shows strong financial health indicators. With $112.9B in assets and a Health Score of 70/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
SYNCHRONY BANK has a Bank Health Score of B (70/100). It holds a Tier 1 capital ratio of 13.17%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
SYNCHRONY BANK holds $112.9B in total assets and $85.5B in total deposits. It is located in DRAPER, UTAH (FDIC Certificate #27314).
SYNCHRONY BANK has a Tier 1 capital ratio of 13.17%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 2.24%, and the return on assets is 2.42%.
Yes. SYNCHRONY BANK is FDIC-insured (Certificate #27314). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.