Comenity Capital Bank
Comenity Capital Bank reported total assets of $13.9 bn at Q2 2026, up 7.4% from a year earlier. That ranks 134th among 497 banks reporting this metric (1 = highest). Its common equity tier 1 ratio was 12.52%, and an estimated 8.82% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Total deposits: up 6.1% on Q1 2026, to $11.0 bn
- Common equity tier 1 (CET1) ratio: down 0.93 pp on Q1 2026, to 12.52%
- Return on equity (ROE): down 0.93 pp on Q1 2026, to 12.74%
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about Comenity Capital Bank?
Its largest one-quarter change in total assets since Q1 2016 was +26.1% between Q3 2022 and Q4 2022, a quarter with no merger or acquisition in the FDIC history. Against its six size peers, its net interest margin stands out most: 19.26% at Q2 2026, above the peer median of 3.29%. By common equity tier 1 (CET1) ratio it moved from 205th to 282nd among 448 banks between Q1 2026 and Q2 2026 (1 = highest). Its noncurrent loans to total loans of 3.21% at Q2 2026 is among the highest 5% of the 500 banks reporting it, a loan-quality outlier (rank 481 of 500, 1 = lowest).
How large is Comenity Capital Bank?
At Q2 2026 the bank held $13.9 bn of assets. Deposits were $11.0 bn and net loans and leases $10.4 bn, a loan-to-deposit ratio of 95.00%. Securities of $109.5 mn made up 0.8% of assets.
Total assets rose 180.3% between Q1 2016 and Q2 2026, from $4.9 bn.
How much of its funding is uninsured?
An estimated 8.82% of domestic deposits were above the FDIC insurance limit at Q2 2026, +0.49 pp from the previous quarter and +2.91 pp from a year earlier. That share ranks 472nd among 500 banks reporting this metric (1 = highest).
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $13.9 bn | +7.4% | 134th of 497 |
| Total deposits | $11.0 bn | +9.9% | 135th of 499 |
| Net loans and leases | $10.4 bn | +9.3% | 123rd of 500 |
| Bank equity capital | $1.8 bn | -4.8% | 118th of 498 |
| Common equity tier 1 (CET1) ratio | 12.52% | -3.41 pp | 282nd of 448 |
| Tier 1 leverage ratio | 12.84% | -1.08 pp | 60th of 500 |
| Return on equity (ROE) | 12.74% | -1.16 pp | 224th of 500 |
| Net interest margin | 19.26% | +0.09 pp | 3rd of 500 |
| Uninsured share of domestic deposits | 8.82% | +2.91 pp | 472nd of 500 |
| 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: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026. Dashed amber lines mark the merger or acquisition listed under Mergers and acquisitions.
- Total assets $13.9bn
- Deposits $11.0bn
- Net loans $10.4bn
Capital and securities
The common equity tier 1 (CET1) ratio was 12.52% at Q2 2026, -3.41 pp from a year earlier. Since Q1 2016 it has ranged from 12.52% (Q2 2026) to 21.66% (Q1 2023). At Q2 2026 the tier 1 leverage ratio was 12.84% and the total risk-based capital ratio 17.65%. The median CET1 ratio of the size peers listed below was 14.54% at Q2 2026.
Available-for-sale securities showed an unrealized loss of $10.3 mn at Q2 2026; the loss narrowed by $1.2 mn from a year earlier.
Capital ratios
- Total capital 18%
- CET1 13%
- Tier 1 leverage 13%
Unrealized gains and losses on securities
- Available for sale -$10mn
- Held to maturity $0
Profitability and loan quality
Return on equity was 12.74% for the year to Q2 2026, annualized, with a return on assets of 1.65% and a net interest margin of 19.26%. The margin was +0.09 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 55.14%. Net income for the year to Q2 2026 was $112.5 mn, down 12.8% on the same period a year earlier. The median return on equity of its size peers was 11.85% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 3.21% of total loans at Q2 2026. Net charge-offs for the year to date were 7.59% of average loans, annualized.
Profitability
- Return on equity 13%
- Net interest margin 19%
- Return on assets 1.7%
Compared with banks of similar size
The six banks ranked closest to Comenity Capital Bank by total assets at Q2 2026, three above and three below where possible.
Among the seven banks in the table at Q2 2026, Comenity Capital Bank is 4th by total assets. Its CET1 ratio of 12.52% compares with a peer median of 14.54%, its tier 1 leverage ratio of 12.84% compares with a peer median of 10.91%, and its return on equity of 12.74% compares with a peer median of 11.85%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| ConnectOne Bank | $14.4 bn | 12.31% | 10.13% | 46.70% | |
| Israel Discount Bank of New York | $14.4 bn | 14.38% | 7.33% | 50.34% | |
| NexBank | $14.2 bn | 14.92% | 12.13% | 13.04% | |
| Comenity Capital Bank | $13.9 bn | 12.52% | 12.74% | 8.82% | |
| BMW Bank of North America | $13.8 bn | 13.65% | 17.05% | 3.42% | |
| First Bank | $13.0 bn | 14.69% | 11.56% | 41.00% | |
| BancFirst | $12.8 bn | 17.11% | 15.71% | 27.08% | |
Q2 2026. Peer median (the six banks, excluding this one): CET1 14.54%, return on equity 11.85%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
Comenity Capital Bank, as reported in its Call Reports.
From Q3 2024 to Q2 2026, total assets rose 10.1% to $13.9 bn, deposits rose 13.2% to $11.0 bn and bank equity capital fell 3.3% to $1.8 bn. Over the same period its full-time equivalent staff went from 126 to 286 and its offices went from 1 to 1.
| 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 |
| Common equity tier 1 (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 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
Figures before and after each event are not like for like.
- . Absorbed Comenity Bank (FDIC certificate 27499).
Large one-quarter moves
- Total assets changed by +26.1% in the quarter to 2022-12-31, with no FDIC structure event in that quarter.
Source: FDIC BankFind API, institution history. Moves of more than 25% in one quarter are checked against that history in our review.
Identifiers and sources
- FDIC certificate
- 57570
- Federal Reserve RSSD ID
- 3224580
- Head office
- Draper, Utah
- EconoMonitor ID
- EMB-US-000189
Frequently asked questions
What were Comenity Capital Bank's total assets?
$13.9 bn at Q2 2026, according to its Call Report as published by the FDIC. By total assets it ranks 134th among 497 banks reporting this metric (1 = highest).
How often is this page updated?
Every quarter, after Comenity Capital Bank files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 57570, and in the Call Reports filed under RSSD ID 3224580 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.