Comenity Capital Bank
Draper, UT · Cert 57570 · Peer group: banks over $10B in assets (n=142-144)
State charter, non-member · FDIC · 1 branch
Q2 2026
$13.9BAssets
$11.8BLoans
$11.0BDeposits
$1.8BEquity
Executive Summary
- Strongest standing: net interest margin outperforms 99% of banks over $10B in assets (rank 1 of 144).
- Widest gap: net charge-offs / loans trails 99% of banks over $10B in assets (rank 142 of 142).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.62%
Rank 29 of 144
Net Interest Margin
18.02%
Rank 1 of 144
Efficiency Ratio
56.20%
Rank 75 of 144
Equity / Assets
12.96%
Rank 36 of 144
Non-interest income vs. expense
Unfavorable gap of $1.2B · efficiency ratio beats 49% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.62% | 1.00% | 1.26% | 1.54% | Beats 80% | 29 / 144 | |
| Return on Equity | 12.52% | 8.98% | 11.34% | 14.40% | Beats 65% | 51 / 144 | |
| Net Interest Margin | 18.02% | 2.82% | 3.31% | 3.68% | Beats 99% | 1 / 144 | |
| Efficiency Ratio | 56.20% | 49.42% | 56.02% | 62.41% | Beats 49% | 75 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.21% | 0.48% | 0.73% | 1.07% | Beats 3% | 139 / 142 | |
| Net Charge-Offs / Loans | 4.67% | 0.05% | 0.11% | 0.22% | Beats 1% | 142 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 14.24% | 12.07% | 12.98% | 14.92% | Beats 65% | 50 / 144 | |
| Total Risk-Based Capital Ratio | 17.65% | 13.39% | 14.14% | 16.25% | Beats 83% | 24 / 144 | |
| Equity / Assets | 12.96% | 9.69% | 11.39% | 12.96% | Beats 75% | 36 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 107.23% | 75.72% | 84.92% | 91.56% | 94th pctl | 8 / 143 | |
| Loans / Assets | 85.04% | 59.83% | 69.07% | 74.80% | 97th pctl | 5 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |