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Synchrony Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2025-Q2QoQ +1

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

Quarterly Headline

2025-Q2

Bank #1216022 2025-Q2 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Reserves (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 5.75% of loans.
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.32%.

What changed this quarter

Compared to Q1 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -1
72
Sub-score

Liquidity is stable: brokered 10.1%, loans/deposits 101.3%.

Cash / Assets
—
Loans / Deposits
101.25%
Brokered %
10.07%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.3% (threshold 100%).

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

Stable
75
Sub-score

Capital position is stable: Tier 1 RBC 14.29%, CET1 0.00%, leverage 12.21%.

Tier 1 RBC
14.29%
CET1
0.00%
Leverage
12.21%

Watch Items

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

Asset Quality

RiskQoQ +3
39
Sub-score

Asset quality is weak: Adjusted NPL 2.35%, Texas Ratio 8.3%, NCO YTD 5.75%.

Adjusted NPL
2.35%
Govt-guarantees stripped
Texas Ratio
8.3%
NCO YTD
5.75%
30-89 PD
2.41%
Band 0.3% / 3.0%
90+ PD
2.32%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.35% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.32%.
  • riskNet charge-offs elevated — NCO YTD 5.75% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 10.68% of loans, coverage 509.9%, true coverage 337.1%.

ALLL / Loans
10.68%
Coverage
509.9%
True Loss Coverage
337.1%
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