Comenity Capital Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Comenity Capital Bank pays more for its money than most banks of its size. Based in Draper, Utah, it had $13.9 billion in assets at June 30, 2026, up 7.4% from a year earlier. It pays an average of 4.14% on its deposits and borrowings, about double the median of 1.92% for the 127 banks with $10 billion to $100 billion in assets. On the other hand, it funds 12.84% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.25%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 3.21% of loans, down from 3.67% a year earlier. Net income for the quarter slipped 11% from a year earlier, to $53 million. Credit is the area to watch: it carries problem assets equal to 12.3% of the capital and reserves that would absorb them, about triple the median of 4.2% for banks its size.
As of June 30, 2026, Comenity Capital Bank reported a CET1 capital ratio of 12.52%, a return on assets of 1.55%, a nonperforming-loan ratio of 1.40% and a Texas ratio of 12.28%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 12921 S Vista Station Blvd, Draper, UT 84020
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, UT
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- December 1, 2003
- Offices
- 2 domestic
- Employees (FTE)
- 286
- Domestic deposits
- $10.99B
- Allowance for credit losses
- $1.34B
- Net charge-offs (YTD)
- $440.5M
- Average total assets
- $13.62B
- Average total loans
- $11.52B
- Average interest-bearing deposits
- $10.58B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- December 1, 2003
- FDIC Cert
- 57570
- Fed RSSD
- 3224580
- Website
- Savings.Breadfinancial.com →
- Parent Holding Company
- BREAD FINANCIAL HOLDINGS, INC. (RSSD 3043101)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Comenity Capital Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Comenity Capital Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Comenity Capital Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.52% | 1.55% | 1.40% | 12.28% | 17.25% |
| Q1 2026 | 13.45% | 1.78% | 1.42% | 13.73% | 17.85% |
| Q4 2025 | 13.46% | 0.53% | 1.35% | 14.29% | 18.27% |
| Q3 2025 | 15.44% | 1.97% | 1.84% | 13.69% | 17.92% |
| Q2 2025 | 15.93% | 1.81% | 1.85% | 12.82% | 16.78% |
| Q1 2025 | 15.33% | 2.11% | 1.83% | 13.97% | 17.11% |
| Q4 2024 | 15.36% | 0.00% | 1.66% | 14.58% | 17.53% |
| Q3 2024 | 16.04% | 1.21% | 1.63% | 15.00% | 18.11% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Comenity Capital Bank (main office) | Draper , UT | 84020 | $10.99B |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2026 | Structure Change | Acquired Comenity Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Comenity Capital Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.9% of deposits in UT, rank 13 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 2 complaints in the last 1 full quarter. Raw counts, not adjusted for size
- Period: 2018-Q2. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Comenity Capital Bank
What are Comenity Capital Bank's total assets?
As of the Q2 2026 filing, Comenity Capital Bank reported total assets of $13.86 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Comenity Capital Bank headquartered?
Comenity Capital Bank is headquartered in Draper, UT, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Comenity Capital Bank founded?
Comenity Capital Bank was established in 2003, per the FDIC institution directory.
Is Comenity Capital Bank FDIC-insured?
Yes. Comenity Capital Bank is an FDIC-insured commercial bank (FDIC Certificate #57570). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Comenity Capital Bank?
Comenity Capital Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Comenity Capital Bank's CET1 capital ratio?
Comenity Capital Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.52% in its Q2 2026 call report, above regulatory requirements.
How many branches does Comenity Capital Bank operate?
Comenity Capital Bank operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Comenity Capital Bank's Texas Ratio?
Comenity Capital Bank's Texas Ratio is 12.28% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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