BlastPoint's Banking Scorecard

Comenity Capital Bank

$10B-$250B Specialty: Credit Card UT FDIC cert 57570

Draper, UT

137 banks in the $10B-$250B peer group nationally 11 in UT

Comenity Capital Bank has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 11.4% in tier
+ Net Interest Margin 15.86% above tier average
+ ROA 0.50% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 26.7% in tier
- Liquidity Strain: Bottom 41.7% in tier
- Delinquency Rate 3.08% above tier average
- Nonperforming Asset Ratio 2.37% above tier average
- Efficiency Ratio 0.45% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$13.3B +0.5% YoY -2.3% QoQ	-$33.7B	$47.0B -1.9% YoY	$31.5B +16.1% YoY	$6.2B +9.1% YoY	16%
Total Loans ?	$10.0B +5.4% YoY -2.8% QoQ	-$19.3B	$29.4B -0.4% YoY	$18.8B +6.7% YoY	$3.2B +10.8% YoY	23%
Total Deposits ?	$10.4B +4.2% YoY -0.8% QoQ	-$28.1B	$38.4B -1.6% YoY	$24.2B +10.6% YoY	$4.8B +8.2% YoY	Bottom 11.7% in tier
Return on Assets ?	1.78% -16.0% YoY +11.3% QoQ	+0.50%	1.28% +18.7% YoY	2.19% +3.7% YoY	1.23% +13.4% YoY	Top 11.7% in tier
Net Interest Margin ?	19.63% +1.5% YoY +0.2% QoQ	+15.86%	3.77% +5.8% YoY	7.79% +9.7% YoY	3.89% +5.7% YoY	Top 0.1% in tier
Efficiency Ratio ?	54.46% +4.3% YoY -4.9% QoQ	+0.45%	54.01% -3.7% YoY	105.45% +9.4% YoY	66.95% -4.1% YoY	56%
Delinquency Rate ?	4.09% -9.7% YoY -2.2% QoQ	+3.08%	1.02% -3.8% YoY	1.46% +7.1% YoY	0.95% +18.8% YoY	Bottom 2.2% in tier
Loan-to-Deposit Ratio ?	96.94% +1.1% YoY -2.0% QoQ	+16.15%	80.79% +1.9% YoY	84.36% +3.4% YoY	76.70% +0.9% YoY	Bottom 10.2% in tier
Non-Interest-Bearing Deposit Share ?	0.45% -5.8% YoY +4.0% QoQ	-19.59%	20.04% +0.2% YoY	17.87% +4.4% YoY	22.01% -1.2% YoY	Bottom 13.1% in tier
Nonperforming Asset Ratio ?	3.09% -5.3% YoY -2.7% QoQ	+2.37%	0.72% +4.2% YoY	1.01% +17.9% YoY	0.67% +19.3% YoY	Bottom 2.9% in tier
Tier 1 Capital Ratio ?	14.09% -8.1% YoY +0.1% QoQ	-1.43%	15.51% -0.4% YoY	22.97% +16.9% YoY	17.06% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.54% +8.2% YoY -74.0% QoQ	+0.31%	0.22% +0.3% YoY	1.04% +5.8% YoY	0.32% +4.1% YoY	Top 6.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#5 of 35 • Top 11.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.54%

(Tier: 0.22%, National: 0.32%)

better than tier avg

Return on Assets: 1.78%

(Tier: 1.28%, National: 1.23%)

better than tier avg

35 of 35 Large banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (2)

Margin Compression

decline

#5 of 15 • Bottom 26.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.78%

(Tier: 1.28%, National: 1.23%)

better than tier avg

15 of 15 Large banks match · 407 nationally

↑ Growing +94 banks QoQ

Liquidity Strain

risk

#16 of 36 • Bottom 41.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 96.94%

(Tier: 80.79%, National: 76.70%)

worse than tier avg

36 of 36 Large banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 137 peers in $10B-$250B

Top Strengths (3 metrics)

Net Interest Margin

profitability

Value: 19.63%

Peer Median: 3.77%

#1 of 137 Top 0.1% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.54%

Peer Median: 0.22%

#10 of 137 Top 6.6% in $10B-$250B

Return on Assets

profitability

Value: 1.78%

Peer Median: 1.28%

#17 of 137 Top 11.7% in $10B-$250B

Top Weaknesses (7 metrics)

134

Delinquency Rate

credit_quality

Value: 4.09%

Peer Median: 1.02%

#134 of 136 Bottom 2.2% in $10B-$250B

134

Nonperforming Asset Ratio

credit_quality

Value: 3.09%

Peer Median: 0.72%

#134 of 137 Bottom 2.9% in $10B-$250B

124

Loan-to-Deposit Ratio

liquidity

Value: 96.94%

Peer Median: 80.79%

#124 of 137 Bottom 10.2% in $10B-$250B

122

Total Deposits

size

Value: $10.36B

Peer Median: $38.42B

#122 of 137 Bottom 11.7% in $10B-$250B

120

Non-Interest-Bearing Deposit Share

funding

Value: 0.45%

Peer Median: 20.04%

#120 of 137 Bottom 13.1% in $10B-$250B

116

Total Assets

size

Value: $13.31B

Peer Median: $46.96B

#116 of 137 Bottom 16.1% in $10B-$250B

106

Total Loans

size

Value: $10.04B

Peer Median: $29.36B

#106 of 137 Bottom 23.4% in $10B-$250B