Comenity Capital Bank
Comenity Capital Bank reported total assets of $13.9 bn at Q2 2026, up 7.4% on a year earlier, the 134th largest of 497 banks in our US coverage. The CET1 capital ratio at Comenity Capital Bank was 12.52%, and the uninsured share of Comenity Capital Bank was 8.82%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, Comenity Capital Bank slipped from 88th to 282nd among 448 US banks between and (1 = highest; FDIC Call Reports).
- Comenity Capital Bank has one of the highest net interest margin readings among banks of $10 bn to $100 bn: 19.26% at , against a median of 3.62% across 126 banks (FDIC Call Reports).
- At 7.59%, the net charge-offs to average loans of Comenity Capital Bank sits in the top tenth of its size group ($10 bn to $100 bn, 126 banks), where the median is 0.14% (FDIC Call Reports).
What sets Comenity Capital Bank apart
- Few banks of $10 bn to $100 bn report a higher noncurrent loans to total loans than Comenity Capital Bank, at 3.21% in against a group median of 0.66%.
- Since , Comenity Capital Bank has taken over one institution; the latest was Comenity Bank on .
- Comenity Capital Bank has one of the highest tier 1 leverage ratio readings among banks of $10 bn to $100 bn: 12.84% at , against a median of 10.25% across 126 banks.
How large is Comenity Capital Bank?
The balance sheet of Comenity Capital Bank at : assets $13.9 bn, deposits $11.0 bn, net loans $10.4 bn (loans equal to 95.00% of deposits). Securities make up 0.8% of total assets at Comenity Capital Bank. Since , when Comenity Capital Bank held $4.9 bn, its assets grew 180.3%. In the year to , deposits at Comenity Capital Bank rose 9.9% while its total assets rose 7.4%. At , Comenity Capital Bank employed 286 full-time equivalent staff across 1 office, about $48.5 mn of assets per employee and $11.0 bn of deposits per office.
How much funding at Comenity Capital Bank is uninsured?
At Comenity Capital Bank, uninsured deposits (above the FDIC limit) made up 8.82% of domestic deposits at (+2.91 pp on a year earlier); Comenity Capital Bank ranks 472nd of 500 on this measure. In dollars, Comenity Capital Bank estimated $970.0 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $11.0 bn | +9.9% | 135th of 499 |
| Net loans and leases | $10.4 bn | +9.3% | 123rd of 500 |
| Loan-to-deposit ratio | 95.00% | -0.57 pp | 113th of 500 |
| Tier 1 leverage ratio | 12.84% | -1.08 pp | 60th of 500 |
| Total risk-based capital ratio | 17.65% | -1.87 pp | 78th of 448 |
| Net interest margin | 19.26% | +0.09 pp | 3rd of 500 |
| Return on assets (ROA) | 1.65% | -0.31 pp | 110th of 500 |
| Efficiency ratio | 55.14% | -0.57 pp | 235th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $10.3 mn | Narrowed by $1.2 mn | |
| Noncurrent loans to total loans | 3.21% | -0.47 pp | 481st of 500 (1 = lowest) |
| Net charge-offs to average loans | 7.59% | -0.92 pp | 498th of 500 (1 = lowest) |
US rank of Comenity Capital Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Comenity Capital Bank: assets, deposits and loans
- Total assets $13.9bn
- Deposits $11.0bn
- Net loans $10.4bn
Capital and securities
The CET1 ratio of Comenity Capital Bank stood at 12.52% in , -3.41 pp year on year. Low and high at Comenity Capital Bank since : 12.52% () to 21.66% (). Equity capital of Comenity Capital Bank at : $1.8 bn, or 13.0% of total assets. Comenity Capital Bank also reported a total capital ratio of 17.65% for , and a tier 1 leverage ratio of 12.84%.
The available-for-sale portfolio of Comenity Capital Bank showed an unrealized loss of $10.3 mn at ; the loss narrowed by $1.2 mn over the year.
Comenity Capital Bank: capital ratios
- Total capital 18%
- CET1 13%
- Tier 1 leverage 13%
Comenity Capital Bank: unrealized securities gains and losses
- Available for sale -$10mn
- Held to maturity $0
Profitability and loan quality
For the year to , Comenity Capital Bank earned a return on equity of 12.74%; return on assets: 1.65%. Net interest margin at Comenity Capital Bank: 19.26%, +0.09 pp in a year. Comenity Capital Bank net income: $112.5 mn, down 12.8% year on year. The efficiency ratio of Comenity Capital Bank was 55.14%: about 55 cents cost per revenue dollar, against 49 cents at the median peer.
At , noncurrent loans were 3.21% of total loans at Comenity Capital Bank; net charge-offs: 7.59% of average loans. Gross loans and leases at Comenity Capital Bank: $11.8 bn, up 8.3% in a year.
Comenity Capital Bank: profitability
- Return on equity 13%
- Net interest margin 19%
- Return on assets 1.7%
Peer group of Comenity Capital Bank
The peer group of Comenity Capital Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 4 share the charter type of Comenity Capital Bank (state nonmember bank), 6 sit in the same size group ($10 bn to $100 bn) and 1 has its head office in Utah. Against them, Comenity Capital Bank shows CET1 ratio 12.52% against a peer median of 14.54%, return on equity 12.74% against a peer median of 11.85% and uninsured deposit share 8.82% against a peer median of 34.04%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| ConnectOne Bank | State nonmember bank | NJ | $14.4 bn | 12.31% | 10.13% | 46.70% | |
| Israel Discount Bank of New York | State nonmember bank | NY | $14.4 bn | 14.38% | 7.33% | 50.34% | |
| NexBank | State nonmember bank | TX | $14.2 bn | 14.92% | 12.13% | 13.04% | |
| Comenity Capital Bank | State nonmember bank | UT | $13.9 bn | 12.52% | 12.74% | 8.82% | |
| BMW Bank of North America | State nonmember bank | UT | $13.8 bn | 13.65% | 17.05% | 3.42% | |
| First Bank | State member bank | NC | $13.0 bn | 14.69% | 11.56% | 41.00% | |
| BancFirst | State member bank | OK | $12.8 bn | 17.11% | 15.71% | 27.08% | |
. FDIC Call Reports.
Last eight quarters
Two years at Comenity Capital Bank, to : assets +10.1%, deposits +13.2%, equity -3.3%. Staff 126 to 286.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $12.6 bn | $13.3 bn | $13.2 bn | $12.9 bn | $12.7 bn | $13.6 bn | $13.3 bn | $13.9 bn |
| Total deposits | $9.7 bn | $9.9 bn | $9.9 bn | $10.0 bn | $10.0 bn | $10.4 bn | $10.4 bn | $11.0 bn |
| Bank equity capital | $1.9 bn | $1.9 bn | $1.8 bn | $1.9 bn | $1.8 bn | $1.8 bn | $1.7 bn | $1.8 bn |
| CET1 ratio | 16.04% | 15.36% | 15.33% | 15.93% | 15.44% | 13.46% | 13.45% | 12.52% |
| Return on equity (ROE) | 14.92% | 11.29% | 15.23% | 13.90% | 13.88% | 11.44% | 13.67% | 12.74% |
| Uninsured share of domestic deposits | 5.37% | 5.55% | 5.77% | 5.92% | 6.22% | 8.34% | 8.34% | 8.82% |
| Full-time equivalent employees | 126 | 131 | 129 | 279 | 269 | 266 | 256 | 286 |
| Number of offices | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Comenity Capital Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Comenity Bank (FDIC certificate 27499).
Large one-quarter moves at Comenity Capital Bank
- Total assets at Comenity Capital Bank changed by +26.1% in the quarter to 2022-12-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Comenity Capital Bank?
Comenity Capital Bank reported $13.9 bn at in its Call Report. That makes Comenity Capital Bank the 134th largest of 497 banks in our US coverage.
Is Comenity Capital Bank profitable?
Comenity Capital Bank reported net income of $112.5 mn for the year to ; annualized return on equity: 12.74%. So yes: Comenity Capital Bank made a profit over these months.
When is data for Comenity Capital Bank next updated?
Figures from Comenity Capital Bank for are due after .
Where can I check the figures for Comenity Capital Bank?
In the FDIC BankFind Suite record for certificate 57570, and in the Call Reports of Comenity Capital Bank (RSSD ID 3224580) at the FFIEC Central Data Repository.