COMENITY CAPITAL BANK

DRAPER, UT | Regional | Est. Dec. 1, 2003, midnight | FDIC #57570 | RSSD #3224580 | FDIC
Latest Report: 2025-12-31

COMENITY CAPITAL BANK is arn regional FDIC-insured commercial bank headquartered in DRAPER, UT, established in Dec. 1, 2003, midnight. As of 2025-12-31, the bank reported total assets of $13.6B and total deposits of $10.4B. Profitability stands at 0.52% ROA and 3.84% ROE, with a net interest margin of 20.53%. The bank's CET1 capital ratio is 13.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #57570.

Assets

$13.6B

Deposits

$10.4B

Loans

$11.7B

Equity

$1.8B

Profitability

Return on Assets (ROA) 0.52%
Return on Equity (ROE) 3.84%
Net Interest Margin (NIM) 20.53%
Yield on Assets 24.19%
Cost of Funds 3.99%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 7.84%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 11.45%

Capital & Liquidity

CET1 Ratio 13.46%
Tier 1 Capital 14.08%
Total Capital Ratio 17.52%
Leverage Ratio 13.18%
Loan-to-Deposit 111.73%

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