Call reports 2025
SYNCHRONY BANK — 2025
What SYNCHRONY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 114,809,000,000 | 113,897,000,000 | 110,559,000,000 | 112,115,000,000 |
| Total loans | 95,691,000,000 | 96,130,000,000 | 96,673,000,000 | 100,040,000,000 |
| Allowance for loan losses | 10,518,000,000 | 10,269,000,000 | 10,101,000,000 | 10,178,000,000 |
| Securities available for sale | 2,689,000,000 | 3,370,000,000 | 2,686,000,000 | 2,320,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,092,000,000 | 84,798,000,000 | 82,569,000,000 | 83,376,000,000 |
| Interest-bearing deposits | 85,677,000,000 | 84,385,000,000 | 82,183,000,000 | 82,967,000,000 |
| Noninterest-bearing deposits | 415,000,000 | 413,000,000 | 386,000,000 | 409,000,000 |
| Equity capital | 14,306,000,000 | 14,631,000,000 | 14,743,000,000 | 14,552,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,470,000,000 | 8,880,000,000 | 13,416,000,000 | 17,885,000,000 |
| Interest expense | 1,033,000,000 | 2,042,000,000 | 3,003,000,000 | 3,923,000,000 |
| Net interest income | 3,437,000,000 | 6,838,000,000 | 10,413,000,000 | 13,962,000,000 |
| Noninterest income | 183,000,000 | 377,000,000 | 547,000,000 | 741,000,000 |
| Noninterest expense | 1,265,000,000 | 2,536,000,000 | 3,809,000,000 | 5,229,000,000 |
| Provision for loan losses | 1,555,000,000 | 2,685,000,000 | 3,784,000,000 | 5,198,000,000 |
| Pretax income | 796,000,000 | 1,986,000,000 | 3,321,000,000 | 4,222,000,000 |
| Income tax | 181,000,000 | 449,000,000 | 776,000,000 | 969,000,000 |
| Net income | 615,000,000 | 1,537,000,000 | 2,545,000,000 | 3,253,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,553,000,000 | 13,854,000,000 | 13,932,000,000 | 13,731,000,000 |
| Total capital | 15,627,000,000 | 15,927,000,000 | 16,008,000,000 | 15,844,000,000 |
| Risk-weighted assets | 96,705,500,000 | 96,976,800,000 | 97,254,800,000 | 100,192,808,000 |