UT lenders / National Bank
Synchrony Bank
National Bank · Draper, UT · Synchrony Financial
- Total assets
- $114.9B
- CRE loan book
- $20.0M
- QoQ CRE growth
- 5.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 0.00% as of Q1 2026 — TX bank median 4.87% (4.87pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 0.00% | 17.07% |
| Q4 2025 | 0.00% | 17.43% |
| Q3 2025 | 0.00% | 17.92% |
| Q2 2025 | 0.00% | 17.34% |
| Q1 2025 | 10.96% | 17.31% |
| Q4 2024 | 8.89% | 17.62% |
| Q3 2024 | 8.51% | 17.98% |
| Q2 2024 | 9.20% | 17.56% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $20.0M | $20.0M | $0 | 0% | $0 |
| Q4 2025 | $19.0M | $19.0M | $0 | 0% | $0 |
| Q3 2025 | $19.0M | $19.0M | $0 | 0% | $0 |
| Q2 2025 | $25.0M | $25.0M | $0 | 0% | $0 |
| Q1 2025 | $37.0M | $37.0M | $0 | 0% | $0 |
| Q4 2024 | $36.0M | $36.0M | $0 | 0% | $0 |
| Q3 2024 | $54.0M | $54.0M | $0 | 0% | $0 |
| Q2 2024 | $40.0M | $40.0M | $0 | 0% | $0 |
Similar lenders
Other national banks we track with a comparable CRE book size.
- UBS Bank USA, National AssociationNational Bank · Salt Lake City · $1.6B CRE book
- HSBC Bank USA, National AssociationNational Bank · Tysons · $1.9B CRE book
- State Street Bank and Trust CompanyNational Bank · Boston · $2.3B CRE book
- The Bank of New York MellonNational Bank · New York · $4.9B CRE book
- The Northern Trust CompanyNational Bank · Chicago · $6.3B CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.