Bank Safety Analysis
Is Comenity Capital Bank Safe? Draper, Utah
Based on its Q2 2026 call report, Comenity Capital Bank meets every capital ratio test for well capitalized, its Texas ratio is 12.28%, and its deposits are FDIC insured up to $250,000 per depositor.
BankRegReports is independent of Comenity Capital Bank and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 call report, Comenity Capital Bank's CET1 ratio is 12.52%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 12.52%
- Tier 1 leverage ratio (Q2 2026): 12.84%
- Texas ratio (Q2 2026): 12.28%
- Noncurrent loans ratio (Q2 2026): 3.21%
Comenity Capital Bank is an FDIC-insured commercial bank (FDIC Certificate #57570). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Comenity Capital Bank is outside the pass range on 1 of 5 safety dimensions: asset quality. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. 2 risk screens are flagged: non-performing loan ratio and loan-to-deposit ratio. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in net interest margin: 0.60 percentage points lower than in Q1 2026, at 17.25%. Within Utah, Comenity Capital Bank is 22nd of 28 on CET1 ratio, 12.52% as of Q2 2026. Comenity Capital Bank reported 12.52% on CET1 ratio for Q2 2026, 0.44 points below the 12.96% median for banks in the $10B-100B asset tier. From Q3 2023 to Q2 2026, Comenity Capital Bank's CET1 ratio ranged between 12.52% (Q2 2026) and 18.50% (Q3 2023) and its Texas ratio ranged between 12.28% (Q2 2026) and 15.62% (Q4 2023). Between Q2 2025 and Q2 2026, Comenity Capital Bank's CET1 ratio fell from 15.93% to 12.52%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 3.67% to 3.21%, Texas ratio fell from 12.82% to 12.28% and return on assets fell from 1.81% to 1.55%.
Data as of · sourced from FFIEC call reports. How we update
This bank has more than $10 billion in assets. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. The page therefore shows no score or tier for it.
Scorecard by dimension
Peer cohort: $10B to $100B (136 banks) · Industry averages as of Q2 2026.
CET1 of 12.52% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 12.84% is above the 5% well-capitalized threshold.
Nonperforming loans at 3.21% are at a stress-band level above 3%.
Texas Ratio of 12.3% is well below the 100% historical failure threshold.
Efficiency ratio of 55.8% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 12.52% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 12.28% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 3.21% | Flags at 3% or above | Flagged |
| Uninsured deposit share BankRegReports band | 8.82% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 107.23% | Flags at 100% or above | Flagged |
| Commercial real estate to capital supervisory threshold | 0.00% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 12.52% |
| Q1 2026 | 13.45% |
| Q4 2025 | 13.46% |
| Q3 2025 | 15.44% |
| Q2 2025 | 15.93% |
| Q1 2025 | 15.33% |
| Q4 2024 | 15.36% |
| Q3 2024 | 16.04% |
| Q2 2024 | 18.12% |
| Q1 2024 | 17.51% |
| Q4 2023 | 16.60% |
| Q3 2023 | 18.50% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 12.28% |
| Q1 2026 | 13.73% |
| Q4 2025 | 14.29% |
| Q3 2025 | 13.69% |
| Q2 2025 | 12.82% |
| Q1 2025 | 13.97% |
| Q4 2024 | 14.58% |
| Q3 2024 | 15.00% |
| Q2 2024 | 12.66% |
| Q1 2024 | 15.00% |
| Q4 2023 | 15.62% |
| Q3 2023 | 13.79% |
Comenity Capital Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 12.52% | 3.21% | 12.28% | 1.55% |
| Mar 31, 2026 | 13.45% | 3.61% | 13.73% | 1.78% |
| Dec 31, 2025 | 13.46% | 3.71% | 14.29% | 0.53% |
| Sep 30, 2025 | 15.44% | 3.82% | 13.69% | 1.97% |
| Jun 30, 2025 | 15.93% | 3.67% | 12.82% | 1.81% |
| Mar 31, 2025 | 15.33% | 3.97% | 13.97% | 2.11% |
| Dec 31, 2024 | 15.36% | 3.97% | 14.58% | 0.00% |
| Sep 30, 2024 | 16.04% | 4.25% | 15.00% | 1.21% |
| Jun 30, 2024 | 18.12% | 3.84% | 12.66% | 2.46% |
| Mar 31, 2024 | 17.51% | 4.52% | 15.00% | 3.14% |
| Dec 31, 2023 | 16.60% | 4.38% | 15.62% | -0.20% |
| Sep 30, 2023 | 18.50% | 4.12% | 13.79% | 3.02% |
Banks with a similar risk profile
3 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Comenity Capital Bank FDIC insured?
Yes. Comenity Capital Bank is an FDIC-insured commercial bank (FDIC Certificate #57570). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Comenity Capital Bank well capitalized?
On its Q2 2026 call report, Comenity Capital Bank's CET1 ratio is 12.52%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Comenity Capital Bank's key safety ratios?
For Q2 2026, Comenity Capital Bank reports CET1 12.52%, leverage 12.84%, Texas ratio 12.28%, noncurrent loans 3.21%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Comenity Capital Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
Add this badge to your website
Free to use. It shows Comenity Capital Bank’s latest filed figures and updates each quarter.
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 57570) · FFIEC NIC profile (RSSD 3224580)
Explore: Full Comenity Capital Bank profile · Other banks in UT · Metric glossary · How the call report works