Comenity Capital Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Comenity Capital Bank of Draper, UT against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.55% | 1.35% | +0.20% | 72nd above |
| ROAE Behind the peer average, ahead of the median peer. | 11.95% | 12.29% | -0.34% | 60th above |
| Net Interest Margin | 17.25% | 3.63% | +13.62% | 100th top |
| Efficiency Ratio | 55.83% | 53.80% | +2.03% | 42nd below |
| PPNR / Avg Assets | 8.71% | 1.93% | +6.78% | 99th top |
| Yield on Earning Assets | 20.59% | 5.52% | +15.07% | 100th top |
| Cost of Funds | 4.14% | 1.99% | +2.15% | 1st bottom |
| Net Interest Spread | 16.44% | 2.93% | +13.51% | 100th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.40% | 1.05% | +0.35% | 15th bottom |
| NPA / Total Assets | 1.19% | 0.76% | +0.43% | 12th bottom |
| NCO / Avg Loans | 7.55% | 0.33% | +7.22% | 0th bottom |
| ACL / Total Loans | 11.41% | 1.34% | +10.07% | 100th top |
| ACL / NPLs (Coverage) | 812.29% | 207.81% | +604.48% | 97th top |
| Texas Ratio | 17.66% | 10.21% | +7.45% | 7th bottom |
| Provision / NCO | 101.92% | 107.44% | -5.52% | 47th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.52% | 14.75% | -2.23% | 39th below |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.24% | 14.86% | -0.62% | 66th above |
| Total Capital Ratio | 17.65% | 16.07% | +1.58% | 84th top |
| Leverage Ratio | 12.84% | 10.26% | +2.58% | 92nd top |
| Equity / Assets | 12.96% | 11.54% | +1.42% | 73rd above |
| TCE / Tangible Assets | 11.04% | 9.47% | +1.57% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 107.23% | 83.81% | +23.42% | 5th bottom |
| Core Deposit Ratio | 80.82% | 86.78% | -5.96% | 20th bottom |
| Uninsured Deposit Ratio | 8.82% | 39.04% | -30.22% | 91st top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.27% | 5.65% | -1.38% | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.36% | 10.10% | -2.74% | 60th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 8.33% | 10.13% | -1.80% | 63rd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.92% | 9.94% | -0.02% | 70th above |
See Comenity Capital Bank's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Comenity Capital Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Comenity Capital Bank profile, how to read a UBPR, or how this data updates.