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Synchrony Bank

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
20
/ 100
RiskAs of 2024-Q2QoQ 0

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

Quarterly Headline

2024-Q2

Bank #1216022 2024-Q2 Vital Signs Score: 20/100 — overall risk. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 0.0% (Adjusted NPL + Performing Mods denominator).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 6.48% of loans.

What changed this quarter

Compared to Q1 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +1
84
Sub-score

Liquidity is strong: brokered 14.3%.

Cash / Assets
—
Loans / Deposits
—
Brokered %
14.34%
No watch items at this period.

Securities

Unknown
—
Sub-score

Insufficient data to compute a narrative for this pillar.

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

Capitalization

Risk
0
Sub-score

Capital position is weak: CET1 0.00%.

Tier 1 RBC
—
CET1
0.00%
Leverage
—

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

Risk
0
Sub-score

Asset quality is weak: NCO YTD 6.48%.

Adjusted NPL
—
Govt-guarantees stripped
Texas Ratio
—
NCO YTD
6.48%
30-89 PD
—
Band 0.3% / 3.0%
90+ PD
—
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 6.48% of loans.

Reserves

Risk
0
Sub-score

Reserves are weak: true coverage 0.0%.

ALLL / Loans
—
Coverage
—
True Loss Coverage
0.0%

Watch Items

  • riskTrue Loss Coverage Ratio below 50% — True coverage 0.0% (Adjusted NPL + Performing Mods denominator).

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