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Comenity Capital Bank
Draper, UT·FDIC Cert #57570·Charter: STATE·Est. 20031201.0
Total Assets
$13.6B
Q4 2025
Return on Assets
1.60%
-0.37%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.26%
Peer avg: 54.9%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
44
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.60%-0.37
ROE
11.44%-2.44
Efficiency
57.26%+0.85
Equity/Assets
0.00%+0.00
NPL Ratio
4.19%-0.15
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
98.94%+2.49
Charge-offs
8.18%-0.15
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 3.1 | 2.8 | 2.3 | 1.7 | 2.1 | 2.0 | 2.0 | 1.6 |
| ROE | 20.7 | 18.2 | 14.9 | 11.3 | 15.2 | 13.9 | 13.9 | 11.4 |
| Efficiency | 46.7 | 48.0 | 48.5 | 50.8 | 52.2 | 55.7 | 56.4 | 57.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 5.2 | 4.4 | 4.9 | 4.5 | 4.5 | 4.2 | 4.3 | 4.2 |
| Charge-offs | 9.2 | 9.2 | 8.9 | 8.7 | 8.6 | 8.5 | 8.3 | 8.2 |
| Loan/Deposit | 98.4 | 97.5 | 98.9 | 102.5 | 95.8 | 95.6 | 96.5 | 98.9 |
Balance Sheet
Total Assets$13.6B
Total Deposits$10.4B
Total Loans$10.3B
Total Equity$1.8B
Profitability
ROA1.60%
ROE11.44%
Efficiency Ratio57.26%
Net Income$209.8M
Risk & Asset Quality
NPL Ratio4.19%
Charge-off Rate8.18%
Loan/Deposit98.94%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans