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Comenity Capital Bank
Draper, UT · FDIC Certificate #57570 · Chartered 12/0
Total assets
$13.86B
Total deposits
$10.99B
Total equity
$1.80B
Net loans
$10.44B
Branches (offices)
1
Net income (YTD)
$112.46M
Rank: #136 of 4,213 U.S. banks by assets · #10 of 44 in Utah. Assets changed 7.4% and deposits 9.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.65% |
| Return on equity | 12.74% |
| Net interest margin (YTD) | 19.26% |
| Equity to assets | 12.96% |
| Tier 1 leverage ratio | 12.84% |
| Uninsured deposits (share of deposits) | 8.8% |
| Noncurrent loans (share of loans) | 3.21% |
| Net charge-offs (share of loans) | 7.59% |
| Loans to deposits | 95.0% |
| Real estate loans (share of loans) | 0.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $0 | 0.0% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $11.76B | 112.7% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $11.27B | $7.52B | $143.44M | $1.65B |
| Jun 2023 | $11.79B | $8.79B | $447.99M | $1.90B |
| Jun 2024 | $12.67B | $9.53B | $178.36M | $2.02B |
| Jun 2025 | $12.91B | $10.00B | $128.98M | $1.89B |
| Jun 2026 | $13.86B | $10.99B | $112.46M | $1.80B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Utah | $10.99B | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $10.99B.
Similar-sized banks
Nexbank ($14.16B) · Bmw Bank Of North America ($13.80B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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