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Synchrony Bank

IDRSSD: 1216022
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2023-Q4QoQ +11

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #1216022 2023-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Risk
Reserves:Strong

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 5.71% of loans.
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.58%.
  3. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.2% (threshold 100%).

What changed this quarter

Compared to Q3 2023:
↑ +11 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +34
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -14
71
Sub-score

Liquidity is stable: brokered 17.0%, loans/deposits 105.2%, cash 11.9% of assets.

Cash / Assets
11.91%
Loans / Deposits
105.23%
Brokered %
16.97%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.2% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.07%
No watch items at this period.

Capitalization

StrongQoQ 0
96
Sub-score

Capital position is strong: Tier 1 RBC 13.17%, CET1 13.17%, leverage 12.05%.

Tier 1 RBC
13.17%
CET1
13.17%
Leverage
12.05%
No watch items at this period.

Asset Quality

RiskQoQ +34
34
Sub-score

Asset quality is weak: Adjusted NPL 2.61%, Texas Ratio 10.0%, NCO YTD 5.71%.

Adjusted NPL
2.61%
Govt-guarantees stripped
Texas Ratio
10.0%
NCO YTD
5.71%
30-89 PD
2.81%
Band 0.3% / 3.0%
90+ PD
2.58%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.61% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.58%.
  • riskNet charge-offs elevated — NCO YTD 5.71% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 10.35% of loans, coverage 442.5%, true coverage 319.0%.

ALLL / Loans
10.35%
Coverage
442.5%
True Loss Coverage
319.0%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 04:24:46 UTC