Comenity Capital Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 173.1% higher than in Q1 2026, at $17.6M. 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. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Comenity Capital Bank sits 20.39 points higher, at 107.23% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $11.79B |
| Net loans and leases | $10.44B |
| Loans held for sale | $17.6M |
| Loans to total assets | 85.04% |
| Loan-to-deposit ratio | 107.23% |
| Net loans to equity capital | 5.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 99.82% |
| Credit cards | 94.18% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $699.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $10.37B | $9.06B | 0.00% | 0.12% | 99.88% |
| Q4 2023 | $11.34B | $9.34B | 0.00% | 0.09% | 99.76% |
| Q1 2024 | $10.72B | $9.53B | 0.00% | 0.08% | 99.83% |
| Q2 2024 | $10.60B | $9.53B | 0.00% | 0.06% | 99.83% |
| Q3 2024 | $10.96B | $9.71B | 0.00% | 0.05% | 99.84% |
| Q4 2024 | $11.53B | $9.88B | 0.00% | 0.04% | 99.84% |
| Q1 2025 | $10.89B | $9.94B | 0.00% | 0.04% | 99.84% |
| Q2 2025 | $10.88B | $9.99B | 0.00% | 0.03% | 99.84% |
| Q3 2025 | $10.93B | $9.98B | 0.00% | 0.00% | 99.81% |
| Q4 2025 | $11.67B | $10.45B | 0.00% | 0.00% | 99.79% |
| Q1 2026 | $11.38B | $10.36B | 0.00% | 0.00% | 99.71% |
| Q2 2026 | $11.79B | $10.99B | 0.00% | 0.00% | 99.82% |
Comenity Capital Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Comenity Capital Bank, freeSource: Call Report Schedule RC-C, 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)