$115B
total assets, June 30, 2026
Synchrony Bank is a savings bank based in Draper, UT, owned by Synchrony Financial (SYF). As of June 30, 2026 it held $115.2 billion in assets and $86.0 billion in deposits; assets were up 1.2% from a year before. It has 2 branches in 2 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$115B
+1.2% in a year · +0.3% in a quarter
Deposits
$86.0B
+1.4% in a year · +0.2% in a quarter
Loans
$98.8B
+2.7% in a year · +2.2% in a quarter
Profit so far
$1.6B
Jan 1 to Jun 30, 2026 · +5.5% in a year
Capital ratio
12.56%
+0.26 pts in a year
Return on assets
2.84%
+0.14 pts in a year
Facts
- Type
- Savings bank
- Head office
- 170 W Election Rd, Draper, UT, 84020
- County
- Salt Lake
- Holding company
- Synchrony Financial (SYF)
- Established
- Aug 1, 1988
- Employees
- 9,671
- Branches
- 2 in 2 states
- Website
- www.synchronybank.com
- Id
- b27314
Quarter by quarter
September 30, 1988 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
2 offices as of June 30, 2026, holding $86.0 billion in deposits
Branch map
Every branch, sized by its deposits
| Largest branches | Place | Deposits |
|---|---|---|
| Synchrony Bank (main office) | Draper, UT | $86.0B |
| Www.Synchronybank.Com, Www.Paypal.ComUsDigital-WalletManage-MoneyStart-Saving Branch | Lake Mary, FL | $0 |
Consumer complaints
Complaints consumers sent about Synchrony Financial, the owner of this bank, and its units, 12 months to Sep 2026
Last 12 months
16,696
+35.1% vs the 12 months before
Closed with relief
16.9%
Money back: 9.0%
Answered on time
96.2%
1,424 still in progress
Most common product
Credit cards
55% of its complaints
Complaints per month
Hover a month for the count
By product
12 months to Sep 2026
| Top issues | Complaints | Share | Relief |
|---|---|---|---|
| Problem with a purchase shown on your statement | 2,407 | 14.4% | 23.8% |
| Incorrect information on your report | 2,345 | 14.1% | 14.1% |
| Fees or interest | 2,005 | 12.0% | 28.2% |
| Took or threatened to take negative or legal action | 1,653 | 9.9% | 3.7% |
| Improper use of your report | 1,039 | 6.2% | 26.3% |
| Attempts to collect debt not owed | 876 | 5.3% | 11.7% |
| Getting a credit card | 865 | 5.2% | 29.1% |
| Closing your account | 839 | 5.0% | 7.8% |
Counted under Synchrony Financial. Counts depend on company size: large companies get more complaints. The newest month is partial. More in the SYF Risk & Compliance tab.
Related pages
Questions and answers
How big is Synchrony Bank?
$115.2 billion in total assets and $86.0 billion in deposits as of June 30, 2026, with assets up 1.2% from a year before. Its loans were $98.8 billion.
How many branches does Synchrony Bank have?
2 branches in 2 states as of June 30, 2026. The most deposits are in Utah ($86.0 billion).
Is Synchrony Bank profitable?
Yes: it earned $1.6 billion from January 1 to June 30, 2026 (up 5.5% from the same months a year before). Its return on assets was 2.84% a year; about 1% is typical.
Who owns Synchrony Bank?
Synchrony Bank is owned by Synchrony Financial, its holding company, which is listed as SYF.
How many consumer complaints does Synchrony Financial get?
16,696 complaints in the 12 months to Sep 2026, up 35.1% from the 12 months before. 17% of closed complaints ended with relief, and 96.2% were answered on time.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.