TellerScore

Headquartered in Draper, Utah, Comenity Capital Bank is a state-chartered bank with $13.9B in total assets and $11.0B in deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 2003.

Based on its Q2 2026 filing, Comenity Capital Bank scores 58/100, which we describe as moderate. That is higher than only 20% of 132 banks with $10 billion – $100 billion. Among 45 banks headquartered in Utah, it ranks 41st. Its strongest component is earnings (86/100; 1.65%), and its lowest is loan quality (0/100; 3.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Tier 1 leverage ratio: 12.84%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.21%
Earnings86/100
Return on assets (annualized): 1.65%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 95.0% · 8.8% uninsured
Problem-loan coverage76/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.04%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 6 points (64 → 58), mostly because the earnings component weakened by 13 points.

TellerScore
576267Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202464
Q4 202461
Q1 202562
Q2 202564
Q3 202563
Q4 202558
Q1 202657
Q2 202658
Tier 1 leverage ratio
5.00%10.36%15.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.72%
Q3 202414.38%
Q4 202414.29%
Q1 202513.15%
Q2 202513.92%
Q3 202513.64%
Q4 202513.18%
Q1 202612.45%
Q2 202612.84%
Noncurrent loans
3.21%3.73%4.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20243.84%
Q3 20244.25%
Q4 20243.97%
Q1 20253.97%
Q2 20253.67%
Q3 20253.82%
Q4 20253.71%
Q1 20263.61%
Q2 20263.21%
Return on assets
1.60%2.19%2.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.79%
Q3 20242.27%
Q4 20241.69%
Q1 20252.12%
Q2 20251.96%
Q3 20251.97%
Q4 20251.60%
Q1 20261.78%
Q2 20261.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$13.9B12.84%3.21%1.65%95.0%
Q1 202657$13.3B12.45%3.61%1.78%96.9%
Q4 202558$13.6B13.18%3.71%1.60%98.9%
Q3 202563$12.7B13.64%3.82%1.97%96.5%
Q2 202564$12.9B13.92%3.67%1.96%95.6%
Q1 202562$13.2B13.15%3.97%2.12%95.8%
Q4 202461$13.3B14.29%3.97%1.69%102.5%
Q3 202464$12.6B14.38%4.25%2.27%98.9%
Q2 202467$12.7B15.72%3.84%2.79%97.5%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.84%
93rd
Total risk-based capital17.65%
85th
Problem loans3.21%
2nd
Net charge-offs7.59%
0th
Return on assets1.65%
80th
Net interest margin19.26%
100th
Efficiency ratio55.1%
47th
Loans to deposits95.0%
19th
Uninsured deposits8.8%
87th
Loan-loss reserves11.41%
100th
Texas ratio12.0%
7th

Similar-size banks in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
BMW Bank of North AmericaBank Salt Lake City, UT87 out of 100, Very strong$13.8B13.2%0.09%vs
Happen Bank, National AssociationBank Lehi, UT79 out of 100, Strong$12.5B11.0%0.82%vs
WEX BankBank Sandy, UT78 out of 100, Strong$10.7B8.9%0.44%vs
Optum Bank, Inc.Bank Draper, UT93 out of 100, Very strong$21.4B13.2%0.21%vs
Sallie Mae BankBank Salt Lake City, UT74 out of 100, Strong$28.5B10.2%0.65%vs
SoFi Bank, National AssociationBank Cottonwood Heights, UT88 out of 100, Very strong$56.8B13.3%0.08%vs

Deposit insurance

Is my money safe at Comenity Capital Bank?

Yes. Comenity Capital Bank is an FDIC-insured institution (FDIC certificate #57570). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 8.8% of deposits ($970.0M) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.84%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.65% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Comenity Capital Bank lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
AAA Daily Advantage Visa Signature17.74% – 32.24%$0$300.0%
AAA Daily Advantage Visa Signature17.74% – 32.24%$0$300.0%
AAA Travel Advantage Visa Signature17.74% – 32.24%$0$300.0%
Bread Cashback American Express19.24% – 34.24%$0$300.0%
Crypto.com Visa Signature17.74% – 32.24%$0$303.0%
Good Sam Coast to Coast Visa21.49% – 34.99%$0$303.0%
Good Sam Rewards Visa21.49% – 34.99%$0$303.0%
Good Sam Travel Visa Signature Card21.49% – 34.99%$249$303.0%

All Comenity Capital Bank card terms

Identity & history

Profile

Legal name
Comenity Capital Bank
Former names
World Financial Capital Bank
Type
State-chartered bank
FDIC certificate #
57570
RSSD ID
3224580
Primary regulator
FDIC
Established
December 1, 2003
Headquarters
12921 S Vista Station Blvd, Draper, UT 84020
Employees
286

Quick answers

Comenity Capital Bank: common questions

Is Comenity Capital Bank FDIC insured?

Yes. Comenity Capital Bank is an FDIC-insured institution (FDIC certificate #57570). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Comenity Capital Bank's TellerScore?

58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Comenity Capital Bank ever failed?

There is no failure record for FDIC certificate #57570 in the FDIC failed bank list.

How many branches does Comenity Capital Bank have?

2 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Draper

InstitutionScoreAssetsCapitalProblem loansCompare
Uintah Credit UnionCredit union Vernal, UT100 out of 100, Very strong$3.9M21.3%0.00%vs
Optum Bank, Inc.Bank Draper, UT93 out of 100, Very strong$21.4B13.2%0.21%vs
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