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Synchrony Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2025-Q4QoQ -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-Q4

Bank #1216022 2025-Q4 Vital Signs Score: 67/100 — 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 5.44% of loans.
  3. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 107.8% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -1
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -1
70
Sub-score

Liquidity is stable: brokered 7.1%, loans/deposits 107.8%.

Cash / Assets
—
Loans / Deposits
107.78%
Brokered %
7.08%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 107.8% (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

StableQoQ -2
73
Sub-score

Capital position is stable: Tier 1 RBC 13.70%, CET1 0.00%, leverage 12.35%.

Tier 1 RBC
13.70%
CET1
0.00%
Leverage
12.35%

Watch Items

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

Asset Quality

RiskQoQ -1
36
Sub-score

Asset quality is weak: Adjusted NPL 2.45%, Texas Ratio 9.2%, NCO YTD 5.44%.

Adjusted NPL
2.45%
Govt-guarantees stripped
Texas Ratio
9.2%
NCO YTD
5.44%
30-89 PD
2.63%
Band 0.3% / 3.0%
90+ PD
2.42%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.45% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.42%.
  • riskNet charge-offs elevated — NCO YTD 5.44% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 10.17% of loans, coverage 462.0%, true coverage 320.7%.

ALLL / Loans
10.17%
Coverage
462.0%
True Loss Coverage
320.7%
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