Comenity Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin fell 0.35 percentage points in Q2 2026 to 19.55%, the biggest move on this page. As of Q2 2026, Comenity Bank ranks first in Delaware on net interest margin among 17 banks, at 19.55%. Comenity Bank's net interest margin of 19.55% is well above the 3.71% median for banks in the $1B-10B asset tier, a gap of 15.84 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 23.25% |
| Yield on loans | 26.83% |
| Yield on securities | 3.73% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 4.40% |
| Cost of interest-bearing deposits | 3.99% |
| Cost of interest-bearing liabilities | 4.49% |
| Cost of borrowings | 5.18% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 19.55% |
| Yield to cost spread | 18.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $426.1M |
| Total interest expense | $70.1M |
| Interest expense on deposits | $39.4M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 25.52% | 5.31% | 21.39% | 29.19% | 2.72% |
| Q4 2023 | 24.31% | 5.48% | 20.10% | 27.34% | 3.06% |
| Q1 2024 | 23.21% | 5.47% | 18.99% | 26.72% | 3.41% |
| Q2 2024 | 23.00% | 5.54% | 18.78% | 26.75% | 3.57% |
| Q3 2024 | 24.40% | 5.53% | 20.14% | 28.36% | 3.52% |
| Q4 2024 | 22.41% | 5.21% | 18.36% | 25.61% | 3.44% |
| Q1 2025 | 22.90% | 4.88% | 19.01% | 26.65% | 3.62% |
| Q2 2025 | 22.55% | 4.90% | 18.70% | 26.62% | 3.61% |
| Q3 2025 | 23.54% | 4.91% | 19.70% | 27.81% | 3.63% |
| Q4 2025 | 23.50% | 4.65% | 19.83% | 27.26% | 3.64% |
| Q1 2026 | 23.54% | 4.40% | 19.90% | 27.18% | 3.71% |
| Q2 2026 | 23.25% | 4.40% | 19.55% | 26.83% | 3.73% |
Comenity Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Comenity Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Comenity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27499) · FFIEC NIC profile (RSSD 1391778)