Comenity Capital Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Cost of borrowings: 3.79 percentage points higher than in Q1 2026, at 9.09%. On net interest margin, Comenity Capital Bank ranks 3rd highest among the 44 banks headquartered in Utah, at 17.25% (Q2 2026). Against a median of 3.60% for banks in the $10B-100B asset tier, Comenity Capital Bank reported 17.25% on net interest margin in Q2 2026, 13.65 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 20.59% |
| Yield on loans | 24.28% |
| Yield on securities | 3.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 4.14% |
| Cost of interest-bearing deposits | 3.80% |
| Cost of interest-bearing liabilities | 4.15% |
| Cost of borrowings | 9.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 17.25% |
| Yield to cost spread | 16.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $699.1M |
| Total interest expense | $117.3M |
| Interest expense on deposits | $101.1M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 22.07% | 4.45% | 18.63% | 25.21% | 2.45% |
| Q4 2023 | 22.42% | 4.75% | 18.71% | 25.65% | 2.08% |
| Q1 2024 | 21.03% | 4.77% | 17.32% | 24.35% | 3.09% |
| Q2 2024 | 20.48% | 4.80% | 16.78% | 23.94% | 3.16% |
| Q3 2024 | 21.87% | 4.87% | 18.11% | 25.32% | 3.22% |
| Q4 2024 | 21.20% | 4.70% | 17.53% | 24.29% | 3.26% |
| Q1 2025 | 20.62% | 4.38% | 17.11% | 24.27% | 3.25% |
| Q2 2025 | 20.22% | 4.37% | 16.78% | 23.87% | 3.24% |
| Q3 2025 | 21.26% | 4.28% | 17.92% | 24.91% | 3.40% |
| Q4 2025 | 21.53% | 4.16% | 18.27% | 24.98% | 3.38% |
| Q1 2026 | 20.98% | 3.87% | 17.85% | 24.64% | 3.42% |
| Q2 2026 | 20.59% | 4.14% | 17.25% | 24.28% | 3.49% |
Comenity Capital Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Comenity Capital Bank, freeSource: Call Report Schedules RI and RC-K, 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)