| Metric | Comenity Capital Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +5.9% | +1.5 pts |
| Deposit growth (YoY) | +9.9% | +5.7% | +4.2 pts |
| Loan growth (YoY) | +9.3% | +6.9% | +2.3 pts |
| ROA | 1.65% | 1.23% | +0.4 pts |
| ROE | 12.7% | 11.2% | +1.5 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.86B | $10.99B | $10.44B | $1.80B | $112.5M | 1.65% | 19.26% | 2.73% |
| Q1 2026 | $13.31B | $10.36B | $10.04B | $1.73B | $59.8M | 1.78% | 19.63% | 3.09% |
| Q4 2025 | $13.63B | $10.45B | $10.34B | $1.77B | $209.8M | 1.60% | 19.60% | 3.17% |
| Q3 2025 | $12.70B | $9.98B | $9.62B | $1.83B | $192.5M | 1.97% | 19.55% | 3.29% |
| Q2 2025 | $12.91B | $10.00B | $9.56B | $1.89B | $129.0M | 1.96% | 19.17% | 3.10% |
| Q1 2025 | $13.24B | $9.94B | $9.53B | $1.83B | $70.1M | 2.12% | 19.34% | 3.26% |
| Q4 2024 | $13.26B | $9.88B | $10.13B | $1.85B | $216.7M | 1.69% | 19.66% | 3.46% |
| Q3 2024 | $12.59B | $9.71B | $9.60B | $1.86B | $216.7M | 2.27% | 19.77% | 3.70% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $11.76B · securities $109.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Comenity Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 1.23% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 11.3% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 19.26% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.1% | 54.9% | 52nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Comenity Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Comenity Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Comenity Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Comenity Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Comenity Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Comenity Capital Bank is in an open deal as the acquirer: Comenity Capital Bank: internal reorganization (approved, filed Dec 17, 2025). Expect integration priorities and a consolidated vendor stack after closing.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Jul 31, 2026 | Acquirer | — | Reorganization | Approved | FDIC |
1 branches in 1 county across 1 state (+0 vs 2025) · $10.99B branch deposits. Biggest market: Salt Lake, UT, ranked 12th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $10.99B | 0.92% | 12th |
Utah: 15th with 0.86% · Salt Lake City-Murray metro: 12th, 0.92% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1