Comenity Bank (merged into Comenity Capital Bank)
Comenity Bank reported total assets of $7.4 bn at Q2 2026, its last Call Report before it merged into Comenity Capital Bank. The CET1 capital ratio at Comenity Bank was 15.53%, and the uninsured share of Comenity Bank was 1.04%. Source: FDIC Call Reports.
What sets Comenity Bank apart
Nothing in the latest data sets Comenity Bank apart from banks of its size: no ratio in the top or bottom tenth of its size group, no large rank move or year change, and no acquisition in the FDIC history since 2016. This page is kept out of search results until that changes.
How large is Comenity Bank?
The balance sheet of Comenity Bank at : assets $7.4 bn, deposits $4.0 bn, net loans $5.6 bn (loans equal to 139.51% of deposits). Securities make up 1.2% of total assets at Comenity Bank. Since , when Comenity Bank held $10.3 bn, its assets shrank 28.6%. In the year to , deposits at Comenity Bank rose 17.7% while its total assets fell 0.9%. At , Comenity Bank employed 564 full-time equivalent staff across 1 office, about $13.1 mn of assets per employee and $4.0 bn of deposits per office.
How much funding at Comenity Bank is uninsured?
At Comenity Bank, uninsured deposits (above the FDIC limit) made up 1.04% of domestic deposits at (+0.46 pp on a year earlier). In dollars, Comenity Bank estimated $41.6 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | A year earlier | US rank |
|---|---|---|---|
| Total deposits | $4.0 bn | $3.4 bn (Q2 2025) | |
| Net loans and leases | $5.6 bn | $5.6 bn (Q2 2025) | |
| Loan-to-deposit ratio | 139.51% | 165.53% (Q2 2025) | |
| Tier 1 leverage ratio | 13.38% | 13.93% (Q2 2025) | |
| Total risk-based capital ratio | 16.90% | 17.19% (Q2 2025) | |
| Net interest margin | 21.93% | 21.52% (Q2 2025) | |
| Return on assets (ROA) | 4.96% | 4.91% (Q2 2025) | |
| Efficiency ratio | 49.79% | 48.73% (Q2 2025) | |
| Unrealized gain/loss on available-for-sale securities | Loss of $8.6 mn | Narrowed by $1.7 mn | |
| Noncurrent loans to total loans | 3.24% | 3.55% (Q2 2025) | |
| Net charge-offs to average loans | 6.38% | 7.25% (Q2 2025) |
US rank of Comenity Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Comenity Bank: assets, deposits and loans
- Total assets $7.4bn
- Deposits $4.0bn
- Net loans $5.6bn
Capital and securities
The CET1 ratio of Comenity Bank stood at 15.53% in , -0.28 pp year on year. Low and high at Comenity Bank since : 13.49% () to 27.77% (). Equity capital of Comenity Bank at : $1.0 bn, or 13.8% of total assets. Comenity Bank also reported a total capital ratio of 16.90% for , and a tier 1 leverage ratio of 13.38%.
The available-for-sale portfolio of Comenity Bank showed an unrealized loss of $8.6 mn at ; the loss narrowed by $1.7 mn over the year.
Comenity Bank: capital ratios
- Total capital 17%
- CET1 16%
- Tier 1 leverage 13%
Comenity Bank: unrealized securities gains and losses
- Available for sale -$9mn
- Held to maturity $0
Profitability and loan quality
For the year to , Comenity Bank earned a return on equity of 36.37%; return on assets: 4.96%. Net interest margin at Comenity Bank: 21.93%, +0.41 pp in a year. Comenity Bank net income: $189.3 mn, down 0.2% year on year. The efficiency ratio of Comenity Bank was 49.79%: about 50 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 3.24% of total loans at Comenity Bank; net charge-offs: 6.38% of average loans. Gross loans and leases at Comenity Bank: $6.3 bn at , against $6.4 bn at .
Comenity Bank: profitability
- Return on equity 36%
- Net interest margin 22%
- Return on assets 5.0%
Peer group of Comenity Bank
The peer group of Comenity Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Comenity Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Delaware. Against them, Comenity Bank shows CET1 ratio 15.53% against a peer median of 12.35%, return on equity 36.37% against a peer median of 12.90% and uninsured deposit share 1.04% against a peer median of 31.43%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Central Pacific Bank | State member bank | HI | $7.5 bn | 13.44% | 14.16% | 42.17% | |
| Needham Bank | State member bank | MA | $7.4 bn | 11.50% | 9.14% | 28.20% | |
| TBK BANK, SSB | State-chartered stock savings bank | TX | $7.4 bn | 11.36% | 4.16% | 26.37% | |
| Comenity Bank | State nonmember bank | DE | $7.4 bn | 15.53% | 36.37% | 1.04% | |
| Pathward | National bank | SD | $7.3 bn | 12.05% | 23.28% | 12.74% | |
| Lake City Bank | State member bank | IN | $7.2 bn | 14.13% | 15.52% | 57.58% | |
| The Farmers National Bank of Canfield | National bank | OH | $7.2 bn | 12.64% | 11.64% | 34.66% | |
. FDIC Call Reports.
Last eight quarters
Two years at Comenity Bank, to : assets $7.5 bn to $7.4 bn, deposits $3.2 bn to $4.0 bn, equity $1.1 bn to $1.0 bn. Staff 672 to 564.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $7.5 bn | $8.1 bn | $7.7 bn | $7.4 bn | $7.3 bn | $7.8 bn | $7.8 bn | $7.4 bn |
| Total deposits | $3.2 bn | $3.3 bn | $3.2 bn | $3.4 bn | $3.6 bn | $3.7 bn | $4.0 bn | $4.0 bn |
| Bank equity capital | $1.1 bn | $1.1 bn | $1.2 bn | $1.1 bn | $1.0 bn | $1.1 bn | $1.1 bn | $1.0 bn |
| CET1 ratio | 17.43% | 16.53% | 16.99% | 15.81% | 15.39% | 15.11% | 15.12% | 15.53% |
| Return on equity (ROE) | 34.57% | 30.30% | 35.77% | 34.13% | 38.53% | 34.79% | 38.74% | 36.37% |
| Uninsured share of domestic deposits | 0.67% | 0.78% | 0.56% | 0.58% | 0.57% | 0.72% | 0.55% | 1.04% |
| Full-time equivalent employees | 672 | 665 | 668 | 566 | 571 | 560 | 565 | 564 |
| Number of offices | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Comenity Bank, oldest first; figures before and after each event are not like for like.
- . Merged into Comenity Capital Bank (FDIC certificate 57570).
Questions and identifiers
What were the total assets of Comenity Bank?
Comenity Bank reported $7.4 bn at in its Call Report.
Is Comenity Bank profitable?
Comenity Bank reported net income of $189.3 mn for the year to ; annualized return on equity: 36.37%. So yes: Comenity Bank made a profit over these months.
When is data for Comenity Bank next updated?
Comenity Bank no longer files Call Reports; its data ends at .
Where can I check the figures for Comenity Bank?
In the FDIC BankFind Suite record for certificate 27499, and in the Call Reports of Comenity Bank (RSSD ID 1391778) at the FFIEC Central Data Repository.