Synchrony Bank
Draper, UT
IDRSSD: 1216022
Total Assets
$112.11B
Latest filing
Total Deposits
$83.38B
Latest filing
Net Interest Margin
13.49%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
021213591DRAPER, UT124085008DRAPER, UT
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Synchrony Bank
170 W Election Rd
Draper, UT 84020
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/01/1988FDIC Certificate 39510
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Synchrony Bank (Main) | 170 W Election Rd | Draper, UT |
| WWW.SYNCHRONYBANK.COM, WWW.PAYPAL.COM/US/DIGITAL-WALLET/MANAGE-MONEY/START-SAVING BRANCH | 965 Keller Rd | Altamonte Springs, FL |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 08/01/1988 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 84020 |
| State and County Number | 49035 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Washington |
| Core Based Statistical Area Name | Salt Lake City, UT |
Operational Info
| Number of Employees | 10,229 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/01/1988 |
| Primary Insurance Agency | DIF |
| Website | www.synchronybank.com |
| Data Updated | 01/30/2026 |
| CERT | 27314 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $112.11B |
| Total Deposits | $83.38B |
| Total Liabilities | $97.56B |
| Total Equity Capital | $14.55B |
| Net Income | $708.00M |
| Net Loans and Leases | $89.86B |
| Assets Per Employee ($Millions) | $11.04M |
| Bank Premises and Fixed Assets | $0 |
| Cash and Balances due from Depository Institutions | $14.30B |
| Deposits Held in Domestic Offices | $83.38B |
Key Performance Ratios
| Return on Assets (ROA) | 2.54% |
| Return on Equity (ROE) | 19.33% |
| Net Interest Margin | 13.49% |
| Efficiency Ratio | 37.16% |
| Tier 1 Risk-Based Capital Ratio | 13,731,000% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 5.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.98% |
| Earning Assets to total Assets | 94.59% |
Income and Expense
| Total Interest Income | $4.47B |
| Total Noninterest Income | $194.00M |
| Total Interest Expense | $920.00M |
| Total Noninterest Expense | $1.42B |
| Net Interest Income | $3.55B |
| Pre-tax Net Operating Income | $902.00M |
| Provision for Credit Losses | $1.42B |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $7.86B |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.57B |
| Total Liabilities and Capital | $112.11B |
Securities
| Securities | $2.36B |
| Available-for-sale debt securities | $2.32B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $750.00M |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Synchrony Bank?
$112.11B as of the latest filing.
How much are Synchrony Bank's total deposits?
$83.38B in total deposits.
Where is Synchrony Bank located?
Draper, UT.
What is the Net Interest Margin?
13.49%.
How many domestic offices does it operate?
2.
When was it established?
08/01/1988.
What is the Return on Assets (ROA)?
2.54%.
How much are total loans and leases?
$89.86B (latest filing).
What is the total interest income (latest filing)?
$4.47B.