FDIC Cert #57570 · Draper, Utah · Est. 2003

Comenity Capital Bank - FDIC Bank Health Profile

A community-scale look at Comenity Capital Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$13.6B
Total assets
A
Health grade · Excellent
1.60%
Return on assets
13.5%
Tier 1 capital

Data updated July 2026

The verdict

Comenity Capital Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 13.46% Tier 1, profitable at 1.60% ROA, efficient (57% cost ratio).

#135
largest of 4,313 FDIC banks by assets
97th
percentile by asset size, nationally
13.46%
Tier 1 ratio - above the 10% well-capitalized line
78th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 57570 · UT A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #851/4307
  • PHOTO-FINISH The Hometown Bank of… · AL
  • TIER1-WELL 13.5% Tier 1
  • TEXAS-CLEAN 13.9% Texas
  • ROA-STRONG 1.60% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Utah: The Hometown Bank of Alabama, AL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Comenity Capital Bank

Lowest and highest poles plus nearest scored peers outside Utah, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Continental… · CA ·…88/100Comenity Capital Bank · UT ·…88/100First Commerce Bank · TN · n…88/100The Hometown Bank of… · AL ·…88/100United Bank & Trust… · IA · …88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Comenity Capital Bank · July 2026

What Comenity Capital Bank's Call Report plate shows

Comenity Capital Bank (FDIC Cert #57570) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #851 of 4,307. Tier 1 capital prints at 13.46%, clearing the 10% well-capitalized line. The Texas Ratio is 13.93%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.60%. Balance-sheet scale is $13.6B, 135th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Hometown Bank of Alabama (AL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Comenity Capital Bank

8 FAILURE resolutions in Utah since 2000 (7 since 2008)

Comenity Capital Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Comenity Capital Bank remains an active FDIC-insured reporter.

  • PROFICIO BANK COTTONWOOD HEIGHTS, UT 2017 → CACHE VALLEY BANK
  • SUNFIRST BANK SAINT GEORGE, UT 2011 → CACHE VALLEY BANK
  • CENTENNIAL BANK OGDEN, UT 2010

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Utah banks.

How Comenity Capital Bank's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
Comenity Capital Bank's composite health score
Tier 1 Capital Ratio (13.46%) 35/40
Return on Assets (ROA) (1.60%) 25/25
Texas Ratio (13.93%) 16/20
Efficiency Ratio (57.26%) 12/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$13.6B

Total balance-sheet footings

Total Deposits

$10.4B

Customer-funded liabilities

Net Loans

$10.3B

Outstanding loan book

Net Income

$210M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.06% 13.46% 14.86%
Basel III capital ratios - Comenity Capital Bank

Where Comenity Capital Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Comenity Capital Bank's score of 88/100 falls in the highlighted band.

Comenity Capital Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 20% higher than 80% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Comenity Capital Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Comenity Capital Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Comenity Capital Bank's $13.6B falls in the highlighted band.

Safety ratios for Comenity Capital Bank

Tier 1 capital ratio
Well-capitalized 10%

13.46% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.46%
Texas Ratio
13.93%
Equity Capital
$1.8B

What these ratios mean →

Earnings posture at Comenity Capital Bank

Return on Assets (ROA)
78th percentile nationally
1.60%
Return on Equity (ROE)
11.44%
Efficiency Ratio
57.26%

What these mean →

Income & expense at Comenity Capital Bank

$2.9B
Interest Income
$282M
Non-Interest Income
$1.6B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Comenity Capital Bank reports a Texas Ratio of 13.93% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

13.93% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Comenity Capital Bank on FDIC BankFind →

Top banks in Utah by total assets

Largest banks headquartered in Utah
  1. 1
    Morgan Stanley Bank $253.3B

    Salt Lake City, UT · Grade A

  2. 2
    American Express National Bank $211.3B

    Sandy, UT · Grade A

  3. 3
    Ally Bank $184.6B

    Sandy, UT · Grade A

  4. 4
    UBS Bank USA $119.3B

    Salt Lake City, UT · Grade A

  5. 5
    Synchrony Bank $112.1B

    Draper, UT · Grade A

Top 5 banks in Utah ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Comenity Capital Bank by assets

Measured strictly by total assets rather than geography, Comenity Capital Bank's closest national peers include NexBank, ConnectOne Bank, Israel Discount Bank of New York, BMW Bank of North America, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Utah. Averaged across this asset-matched cohort, return on assets runs 1.00% (Comenity Capital Bank is above that at 1.60%), the efficiency ratio averages 55.26% (Comenity Capital Bank runs higher at 57.26%), and Tier 1 capital averages 13.06% (Comenity Capital Bank holds more at 13.46%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $13.6B in assets, Comenity Capital Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Comenity Capital Bank nationally by total assets
  1. 1
    NexBank $13.9B

    Dallas, TX · Grade A

  2. 2
    ConnectOne Bank $14.0B

    Englewood Cliffs, NJ · Grade A

  3. 3
    Israel Discount Bank of New York $14.4B

    New York, NY · Grade B

  4. 4
    BMW Bank of North America $12.8B

    Salt Lake City, UT · Grade A

  5. 5
    Bell Bank $14.4B

    Fargo, ND · Grade C

  6. 6
    OceanFirst Bank $14.5B

    Toms River, NJ · Grade B

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Comenity Capital Bank (this bank) UT $13.6B 1.60% 57.26% 13.46%
NexBank TX $13.9B 1.17% 41.69% 14.62%
ConnectOne Bank NJ $14.0B 0.77% 54.90% 12.36%
Israel Discount Bank of New York NY $14.4B 0.54% 71.49% 13.84%
BMW Bank of North America UT $12.8B 2.31% 17.65% 14.53%
Bell Bank ND $14.4B 0.59% 77.28% 11.49%
OceanFirst Bank, National Association NJ $14.5B 0.61% 68.55% 11.54%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($13.6B here), outside Utah so the neighborhood is not state containment.

NexBank $13.9B · TX ConnectOne Bank $14.0B · NJ Israel Discount Bank of New York $14.4B · NY Bell Bank $14.4B · ND

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Comenity Capital Bank (FDIC Cert #57570) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Comenity Capital Bank Call Report profile · FDIC Failed Bank List · Utah FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Utah

All Utah banks →
BankAssetsGradeROA
Morgan Stanley Bank, National AssociationSalt Lake City $253.3B A 1.86%
American Express National BankSandy $211.3B A 3.89%
Ally BankSandy $184.6B A 0.91%
UBS Bank USASalt Lake City $119.3B A 1.13%
Synchrony BankDraper $112.1B A 2.89%
Zions Bancorporation, N.A.Salt Lake City $89.0B B 1.01%
SoFi Bank, National AssociationCottonwood Heights $46.6B A 1.96%
Sallie Mae BankSalt Lake City $29.7B A 2.90%