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BDI
SB

Synchrony Bank

Draper, UtahFDIC Cert #27314

OCCEstablished 19882 branches

Holding company: SYNCHRONY FINANCIALRegulator: OCC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$81.9B$61.5B
Q3 2021$82.3B$62.5B
Q4 2021$86.1B$65.1B
Q1 2022$86.1B$66.3B
Q2 2022$87B$67.8B
Q3 2022$91.8B$70.8B
Q4 2022$96.3B$74.3B
Q1 2023$99.4B$77.6B
Q2 2023$101B$78B
Q3 2023$105B$79.6B
Q4 2023$110B$83.5B
Q1 2024$114B$86.6B
Q2 2024$113B$85.5B
Q3 2024$112B$84.1B
Q4 2024$112B$83.9B
Q1 2025$115B$86.1B
Q2 2025$114B$84.8B
Q3 2025$111B$82.6B
Q4 2025$112B$83.4B
Q1 2026$115B$85.8B

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$115B
+0.0%y/y
Percentile by value67th percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICASSET
Deposits
$85.8B
−0.3%y/y
Percentile by value67th percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICDEP
Gross loans
$96.6B
+0.9%y/y
Percentile by value67th percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICLNLSGR
Net loans
$86.4B
+1.5%y/y
Percentile by value67th percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICLNLSNET
Securities
$4.11B
+9.9%y/y
Percentile by value83rd percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICSC
Cash
$18.8B
−7.7%y/y
Percentile by value67th percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICCHBAL
Liabilities
$100B
−0.3%y/y
Percentile by value67th percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICLIAB
Equity
$14.7B
+2.7%y/y
Peer standing67th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$3.62B
−0.1%y/y
Peer standing67th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNIM + NONII
NII
$3.49B
+1.4%y/y
Peer standing67th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNIM
Noninterest income
$133M
−27.3%y/y
Peer standing50th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNONII
Provision
$1.32B
−15.5%y/y
Percentile by value83rd percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICELNATR
Pretax income
$971M
+22.0%y/y
Peer standing67th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICPTAXNETINC
Net income
$743M
+20.8%y/y
Peer standing67th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNETINC