BanksCOMENITY CAPITAL BANK

COMENITY CAPITAL BANK

DRAPER, UTRegionalEst. Dec. 1, 2003, midnightFDIC #57570RSSD #3224580FDIC
Latest · 2025-12-31

COMENITY CAPITAL BANK is an 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%. CET1 capital ratio: 13.46%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 1 domestic branch.

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 Margin20.53%
Yield on Assets24.19%
Cost of Funds4.15%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio7.84%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans11.45%

Capital & Liquidity

CET1 Ratio13.46%
Tier 1 Capital14.08%
Total Capital Ratio17.52%
Leverage Ratio13.18%
Loan-to-Deposit111.73%

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