Comenity Capital Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Other borrowed money: 36.2% lower than in Q1 2026, at $341.7M. Within Utah, Comenity Capital Bank is 9th of 44 on loan-to-deposit ratio, 107.23% as of Q2 2026, above the middle of the field. Comenity Capital Bank reported 107.23% on loan-to-deposit ratio for Q2 2026, 20.39 points above the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.47B |
| Cash and noninterest-bearing balances to assets | 17.80% |
| Cash and securities | $2.58B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $341.7M |
| Subordinated notes and debentures | $250.0M |
| Other borrowed money to assets | 2.47% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.23% |
| Net loans and leases to deposits | 95.00% |
| Loans and leases to core deposits | 118.56% |
| Core deposits to total deposits | 80.82% |
| Brokered deposits to total deposits | 9.80% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 114.49% | 66.70% | $0 | $546.2M |
| Q4 2023 | 121.38% | 67.71% | $0 | $1.27B |
| Q1 2024 | 112.58% | 70.59% | $0 | $757.0M |
| Q2 2024 | 111.26% | 72.48% | $0 | $708.8M |
| Q3 2024 | 112.93% | 73.80% | $0 | $625.6M |
| Q4 2024 | 116.66% | 74.27% | $0 | $1.11B |
| Q1 2025 | 109.58% | 76.48% | $0 | $832.9M |
| Q2 2025 | 108.80% | 78.31% | $0 | $378.5M |
| Q3 2025 | 109.56% | 78.49% | $0 | $246.1M |
| Q4 2025 | 111.73% | 80.11% | $0 | $709.5M |
| Q1 2026 | 109.83% | 80.05% | $0 | $535.2M |
| Q2 2026 | 107.23% | 80.82% | $0 | $341.7M |
Comenity Capital Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Comenity Capital Bank, freeSource: Call Report Schedules RC and RC-M, 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)