Comenity Capital Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Preferred stock and surplus: 180.0% higher than in Q1 2026, at $210.0M. Comenity Capital Bank ranks 22nd of 28 Utah banks on CET1 ratio, in the lower half at 12.52% (Q2 2026). The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Comenity Capital Bank sits 0.44 points lower, at 12.52% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.52% |
| Tier 1 risk-based capital ratio | 14.24% |
| Total risk-based capital ratio | 17.65% |
| Tier 1 leverage ratio | 12.84% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.53B |
| Tier 1 capital | $1.74B |
| Total risk-based capital | $2.16B |
| Total equity capital | $1.80B |
| Risk-weighted assets | $12.23B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.96% |
| Tangible equity to tangible assets | 12.56% |
| Equity capital to average assets | 13.18% |
| Internal capital growth rate | -15.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $952.4M |
| Retained earnings | $641.2M |
| Preferred stock and surplus | $210.0M |
| Accumulated other comprehensive income | -$7.7M |
| Subordinated notes and debentures | $250.0M |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 18.50% | 18.50% | 19.87% | 16.46% | $10.57B |
| Q4 2023 | 16.60% | 16.60% | 17.97% | 15.18% | $11.51B |
| Q1 2024 | 17.51% | 17.51% | 18.89% | 15.29% | $11.14B |
| Q2 2024 | 18.12% | 18.12% | 19.49% | 15.72% | $10.97B |
| Q3 2024 | 16.04% | 16.04% | 17.41% | 14.38% | $11.33B |
| Q4 2024 | 15.36% | 15.36% | 16.74% | 14.29% | $11.87B |
| Q1 2025 | 15.33% | 15.33% | 18.92% | 13.15% | $11.32B |
| Q2 2025 | 15.93% | 15.93% | 19.52% | 13.92% | $11.31B |
| Q3 2025 | 15.44% | 15.44% | 19.02% | 13.64% | $11.33B |
| Q4 2025 | 13.46% | 14.08% | 17.52% | 13.18% | $12.07B |
| Q1 2026 | 13.45% | 14.09% | 17.58% | 12.45% | $11.83B |
| Q2 2026 | 12.52% | 14.24% | 17.65% | 12.84% | $12.23B |
Comenity Capital Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Comenity Capital Bank, freeSource: Call Report Schedule RC-R, 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 Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57570) · FFIEC NIC profile (RSSD 3224580)