# COMENITY CAPITAL BANK
DRAPER, UT · FDIC certificate 57570 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $13.86B | |
| Deposits | $10.99B | |
| Loans and leases | $11.79B | |
| Total equity | $1.80B | |
| Loans / deposits | 95.00% (p81 of band) | 85.78% |
| Liquid assets / assets | 18.59% (p30 of band) | |
| Uninsured deposits / deposits | 8.82% (p14 of band) | 38.39% |
| Brokered deposits | 7.77% | |
| Wholesale funding | 10.24% (p64 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.84% (p92 of band) | 10.17% |
| Unrealized securities loss / equity | -1.47% (p85 of band) | -7.43% |
| AOCI / equity | -0.03% (p76 of band) | |
| ROA (annualized) | 1.65% (p80 of band) | 1.24% |
| Net interest margin | 19.26% (p100 of band) | 3.57% |
| Efficiency ratio | 55.14% (p53 of band) | |
| Noncurrent loans | 3.21% (p98 of band) | 0.66% |
| Net charge-offs (annualized) | 6.48% (p100 of band) | |
| Reserve coverage of noncurrent | 355.62% | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p6 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p8 of band) | |
| Deposits YoY | 9.9% | |
| Employees | 286 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10%, charge-offs p90 |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 6 | capital falling |  |
| 2012-06 | 5 |  | capital falling |
| 2012-09 | 5 |  |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 6 | capital falling |  |
| 2013-06 | 5 |  | liquid assets <10% |
| 2013-09 | 5 |  |  |
| 2013-12 | 5 |  |  |
| 2014-03 | 6 | liquid assets <10% |  |
| 2014-06 | 5 |  | capital falling |
| 2014-09 | 5 |  |  |
| 2014-12 | 5 |  |  |
| 2015-03 | 5 |  |  |
| 2015-06 | 6 | noncurrent p90 |  |
| 2015-09 | 6 |  |  |
| 2015-12 | 7 | capital falling |  |
| 2016-03 | 7 |  |  |
| 2016-06 | 7 |  |  |
| 2016-09 | 6 |  | capital falling |
| 2016-12 | 6 |  |  |
| 2017-03 | 6 |  |  |
| 2017-06 | 5 |  | liquid assets <10% |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 5 |  |  |
| 2018-06 | 5 |  |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 5 |  |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 5 |  |  |
| 2020-03 | 5 | losing money | loans exceed deposits |
| 2020-06 | 6 | assets shrinking |  |
| 2020-09 | 7 | deposits shrinking |  |
| 2020-12 | 8 | loans exceed deposits |  |
| 2021-03 | 5 |  | losing money, deposits shrinking, loans exceed deposits |
| 2021-06 | 6 | loans exceed deposits, deposits shrinking | assets shrinking |
| 2021-09 | 5 |  | deposits shrinking |
| 2021-12 | 5 |  |  |
| 2022-03 | 5 |  |  |
| 2022-06 | 6 | capital falling |  |
| 2022-09 | 6 |  |  |
| 2022-12 | 6 |  |  |
| 2023-03 | 5 |  | capital falling |
| 2023-06 | 5 | uninsured deposits leaving | brokered >10% |
| 2023-09 | 6 | brokered >10% |  |
| 2023-12 | 7 | assets shrinking |  |
| 2024-03 | 4 |  | loans exceed deposits, uninsured deposits leaving, assets shrinking |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 6 | loans exceed deposits, capital falling |  |
| 2025-03 | 4 |  | brokered >10%, loans exceed deposits |
| 2025-06 | 2 |  | wholesale funding >15%, capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 2 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-10 [The Utah Housing Preservation Fund Receives Commitment From Comenity Capital Bank - CSRwire](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPUVBpUzNkTlRzdS1lUzFCTmExY1dfTzhHam1JNmhPTWhId3RPME9xakdxa0lhaU8yT0lSQTVSTHJFbzU3WUZzb0Z1T24xLVpoaVkxamtYZXVGb1pPLW0tWUZ6YVNZVm9QajFUY05GMlpxLWttVXR3bURCaW52aHRPZFBZM0g1Z283VXFZZDZ5VERCaEx6LXBraUpfZHItNjFpWE5SMlBxM0lwdWs?oc=5) · CSRwire
- 2025-12-15 [PayPal’s Next Step: Setting up an Industrial Bank to Reduce Third-Party Reliance - Digital Transactions](https://news.google.com/rss/articles/CBMitgFBVV95cUxPdlZmaXZaTGJoa092aDBoQktVMDZuVlRVdUk1eklqZ3FQcjZxcVhrNGZVNVl4el81VDJXYmxaM0lwRVdZMDJjMVF6cnZleXRScTlhSzNnVjd0X3U5TkRSbHdWYVZ5SFRvRlIxUFRqQmV5SzRoWTAzQU9WdlhSRnBGYTI0dUFKelNIY1E1Z3lCNFQzZGRxMWY3eXVIcVJUWDBwdnBBcFdDUXZYTEpNV25HVmlEYmx2dw?oc=5) · Digital Transactions
- 2025-11-18 [Loker Law Secures Record-Breaking $20,100,000 Verdict Against Comenity Capital Bank - EIN Presswire](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPZVhXNVc1YXA2dWVoMnVDTjJCbkd6U0I1RVZLamM0dUZZZ2hJM3dJb2MzS2dpSlNONnhKbVJQUVJCbmJTQ3NTZmktaUk1M3BRMl80ay1JZGpOWXppM3UxLUd1ay1PSHdsc3ZwbWxTX1VBWGJlbVhlV2xfMjVSY1lCajZBR0xtYmlYLTRIOWVDN1VMc0dsbnFhMDVKTTh3TWZIcjlOZTlfYXZLZm4yQzVlajc0OWZzdERfdnZJYXJLM25qSUV6STU0Qg?oc=5) · EIN Presswire
- 2022-10-14 [BJ's Wholesale Club selects Capital One as new credit card issuer - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxPNXBIMmI3TmRjdGdZcGJCbmhPa0pvQVFndU00Zk5XSDFzTlJlSG9VZzFXdEZvRjZaZHpkVEtKX1Bfbi1oRWk5N1ZMeThrT2hQYUgtRmlyUTJtR3dRRHJ5WEV0Sks0YWI1RGdRZTdZYUdTOG5JcUpyemFjOHZteEV0a1J1bEJCdk9tYzZNTUlCd2M?oc=5) · The Business Journals
- 2025-04-11 [Edward Jones takes second stab at creating its own bank - InvestmentNews](https://news.google.com/rss/articles/CBMivwFBVV95cUxQajBGNW43QlZhRjNNM0ZlUmtyU29iTVdMSnJ5Z2lDd2lrSlZkRDVnMi1ON2QxZ3RZS2lBbFg2Y2hzTFdpUlo5V0ZfcGg1M3pDelVyWmI0Rm9pdDZmNEI2TU9RRmhaM1J0eVNnZVQxeGhZMkwzcW9xMWcyMDY2cUJpYkIxZmpweFdWU1hoMFhqT2VJV0w0S2pOTVdZemo1QUk2WF9SLVRZQmsyeU9pcElEajA3d1pibmhYdnp2OXRrdw?oc=5) · InvestmentNews
- 2023-04-05 [Bread Savings CD Rates and Details for 2025 - GOBankingRates](https://news.google.com/rss/articles/CBMie0FVX3lxTFA2YzE1cU9aRUxuNHA2ckdUX2c0UEpzTy10UGt2c19vbmlvN01HeEFNZkgwREtMLWRVb2pFQUhuWVFEYnRwRVNENVN2N2NDVHBUX2RXcUdsX0JkZ0VCZ1F4di1LUER2bFB6d1VVcWhzck8tdTYtcHB5YVdrb9IBzAFBVV95cUxNTFRIZ1hXLWNtVlljTWI3Y3lxLUhUdV9NemZXb2R2c1V3NjFJLWtINUpEY1k5dld5LU1tQVQ4S05iN0xXZHdBOGFiX3FyWmVkMTFmM1FvdG9kVV9TNUcyU2JpX0dHeUFBaVZrbmVDN1BFenFqWGtkbXB0aHlzLXN4UHJURndsdTB2S2gteHkxZ0d4OGJLVHBCaFB2SExkUmEyS0RONEk5QmFVUFRabzlkazhGMjBQZDdWYk9KMTRuT1E5QnJCYUJpQU5ENEo?oc=5) · GOBankingRates
- 2020-04-02 [Best 5-Year CDs for September 2026: Lock In Multi-Year Growth Up to 4.50% - Investopedia](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBMS3ZYakZOdGlXZ28tb1R4U1pVRW1URnctaXh0ODQ0Nm5lLXUxWTViNDkwalNiNlI4cmppRGhNOXNQN1hGMVhsTVdrX2NmeHUwTUxzYm50eFdfNkRpZWZjTERYZEw1NC1B?oc=5) · Investopedia
- 2017-12-07 [Homeless shelter donations reach $1.2 million in Miller family's $10 million grant challenge - KSL.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNZklubzN0QUNKOFlIQnNiSUsxNVNfdHd6d0EyQW9EY04zMUswd2V5Wmtrb2JubDdtMm5IUHloTFVTN1ZDd1lmaGFrRExUamVxbjVzVTcwYldDdUJreWw3Wkd6N3o1SW9SOGxnYklsZUN0dmFzb0JraldXRzZFMzlkMVhtelNZMjhobUZ1Q0w0SW9JeVpFVFlPQ190dDF5N1VhUkNRTkM2NTJYQklaMjJWTFE3djhrUTQ3TFE0V2d6M3BqZkFXSXBodkd6c0N5enRs?oc=5) · KSL.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57570 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "57570", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide