Total Assets
$13.6B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$10.4B
Customer-funded liabilities
Net Loans
$10.3B
Outstanding loan book
Net Income
$210M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
78th percentile nationally
1.60%
Return on Equity (ROE)
11.44%
Efficiency Ratio
57.26%
What the numbers say about Comenity Capital Bank
Comenity Capital Bank is an FDIC-insured institution (Certificate #57570) headquartered in Draper, Utah, established in 2003. It holds $13.6B in total assets - 135th of 4,313 FDIC-insured banks, $10.4B in customer deposits, and $10.3B in net loans. Capital-wise, the Tier 1 ratio sits at 13.46%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 13.93%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (88 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Comenity Capital Bank sits in the top decile of all FDIC-insured institutions by asset size (135th of 4,313), and within Utah it ranks 10th of 42 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is BMW Bank of North America, at $12.8B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$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.
Top banks in Utah by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in Utah
All Utah banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Comenity Capital Bank's health grade?▼
Comenity Capital Bank receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Comenity Capital Bank?▼
Comenity Capital Bank holds $13.6B in total assets and $10.4B in deposits, ranking 135th of 4,313 FDIC-insured banks by asset size. It is headquartered in Draper, Utah.
Is my money safe at Comenity Capital Bank?▼
Yes, deposits at Comenity Capital Bank (Certificate #57570) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Comenity Capital Bank's Tier 1 Capital Ratio?▼
Comenity Capital Bank has a Tier 1 Capital Ratio of 13.46%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Comenity Capital Bank?▼
Comenity Capital Bank has a Texas Ratio of 13.93%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Comenity Capital Bank?▼
Comenity Capital Bank has an Efficiency Ratio of 57.26%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Comenity Capital Bank's profile as a depositor or analyst.
- Comenity Capital Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Comenity Capital Bank against other Utah banks before moving funds. Utah banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.