Comenity Capital Bank
Draper, Utah · $13.86B in assets · beside the 11 other Utah banks over $10B
The filing
Comenity Capital Bank is the ninth largest of the 12 Utah banks nearest its size over $10B, with $13.86B in assets at 30 June 2026. Loans are 107.2% of deposits, 10th of 12 against a median of 95.9%, and equity is 13.0% of assets, 2nd of 12. Loans grew +8.3% in the year, 6th of 12, and deposits grew 9.9%; the cohort's median loan growth is +8.2%.
Noncurrent loans are 3.21% of the book, the highest in the cohort against a median of 0.55%; 3.29% is 30 to 89 days past due, and the allowance covers them 3.6 times. Net charge-offs are 7.47% of loans, the highest in the cohort. Commercial real estate is 0.0% of loans, 3rd of 12 against a median of 0.3%, and 0% of capital, below the 300% screen, with construction at 0% against the 100% screen.
Return on assets is 1.65%, 9th of 12 against a median of 2.07%, on an efficiency ratio of 56.2%, 7th of 12. Five years ago it was 5.10%. The question is where the nonperforming loans sit by category, and whether the allowance and the capital behind them hold under a loss path.
Commercial real estate against capital
| Comenity Capital Bank | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 0% | 3rd of 12 | 2% |
| Construction against capital, the 100% screen | 0% | 4th of 12 | 0% |
| Construction and land development, share of loans | 0.0% | 4th of 12 | 0.0% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 0.0% | 4th of 12 | 0.0% |
| Total CRE, the guidance definition, share of loans | 0.0% | 3rd of 12 | 0.3% |
| CRE growth over 36 months, the third prong | no record | +17.1% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $213.95B | 3.7% | 71.8% | 0.63% | 2.39% | 3.3% | 100.5% | 9.0% | |
| $188.18B | 1.2% | 49.0% | 0.85% | 1.13% | 2.5% | 91.9% | 8.3% | |
| $124.44B | 1.1% | 26.3% | 0.12% | -0.01% | 0.1% | 85.1% | 7.6% | |
| $115.22B | 2.8% | 36.8% | 2.04% | 5.38% | 10.2% | 114.9% | 12.9% | |
| $89.04B | 1.5% | 62.8% | 0.47% | 0.04% | 1.1% | 81.7% | 8.6% | |
| $56.82B | 1.9% | 67.3% | 0.08% | 0.07% | 0.1% | 99.9% | 12.8% | |
| $28.54B | 2.8% | 33.0% | 0.65% | 1.91% | 6.4% | 103.9% | 10.2% | |
| $21.43B | 2.5% | 29.2% | 0.21% | 0.22% | 0.9% | 60.2% | 14.8% | |
| $13.86B | 1.7% | 56.2% | 3.21% | 7.47% | 11.4% | 107.2% | 13.0% | |
| $13.80B | 2.2% | 17.1% | 0.09% | 0.19% | 0.5% | 107.5% | 12.8% | |
| $12.48B | 1.8% | 74.4% | 0.82% | 2.07% | 2.7% | 64.9% | 11.5% | |
| $10.71B | 4.0% | 57.3% | 0.44% | 1.69% | 1.3% | 55.4% | 8.0% |
| Comenity Capital Bank | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $7.80B | $11.79B | +51% | $14.99B | $33.92B | +126% |
| Deposits | $6.42B | $10.99B | +71% | $16.64B | $33.55B | +102% |
| NPA / loans | 1.75% | 3.21% | +1.45 pts | 0.64% | 0.55% | -0.09 pts |
| Efficiency | 52.8% | 56.2% | +3.4 pts | 47.2% | 52.6% | +5.3 pts |
| ROA | 5.10% | 1.65% | -3.45 pts | 2.05% | 2.07% | +0.01 pts |
This read was prepared for Comenity Capital Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Comenity Capital Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort UT banks over $10B
Institution Savings.Breadfinancial.com
← Back to the catalogue