BlastPoint's Banking Scorecard

Comenity Capital Bank

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

Draper, UT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 12 in UT.
Deposits +9.9% year over year ($11.0B on the books).
Delinquency rate 3.62%.
Return on assets 1.65%.
Efficiency ratio 55.14% vs a 53.67% peer average.
Loan-to-deposit ratio 95.00% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 12 in UT

View $10B-$250B leaderboard (UT) →

Comenity Capital Bank has 3 strengths but faces 6 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 22.9% in tier
+ Net Interest Margin 15.34% above tier average
+ ROA 0.26% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 44.4% in tier
- Liquidity Strain: Bottom 47.5% in tier
- Delinquency Rate 2.61% above tier average
- Non-Interest-Bearing Deposit Share 20.19% below tier average
- Nonperforming Asset Ratio 2.00% above tier average
- Efficiency Ratio 1.47% above tier average

Get updates when Comenity Capital Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$13.9B +7.4% YoY +4.1% QoQ	-$29.7B	$43.6B -13.8% YoY	$31.1B +21.2% YoY	$6.3B +7.7% YoY	17%
Total Loans ?	$10.4B +9.3% YoY +4.0% QoQ	-$17.5B	$28.0B -8.6% YoY	$18.5B +10.6% YoY	$3.2B +9.4% YoY	25%
Total Deposits ?	$11.0B +9.9% YoY +6.1% QoQ	-$24.4B	$35.4B -14.0% YoY	$23.9B +15.2% YoY	$4.9B +7.3% YoY	17%
Return on Assets ?	1.65% -15.8% YoY -6.9% QoQ	+0.26%	1.39% +25.9% YoY	2.15% +9.7% YoY	1.30% +12.1% YoY	80%
Net Interest Margin ?	19.26% +0.5% YoY -1.9% QoQ	+15.34%	3.92% +8.9% YoY	7.81% +8.6% YoY	3.95% +4.9% YoY	Top 0.1% in tier
Efficiency Ratio ?	55.14% -1.0% YoY +1.3% QoQ	+1.47%	53.67% -1.9% YoY	105.46% +37.7% YoY	70.05% +2.5% YoY	50%
Delinquency Rate ?	3.62% -13.4% YoY -11.6% QoQ	+2.61%	1.01% -2.8% YoY	1.38% +2.5% YoY	0.98% +16.3% YoY	Bottom 2.9% in tier
Loan-to-Deposit Ratio ?	95.00% -0.6% YoY -2.0% QoQ	+12.39%	82.61% +3.1% YoY	83.52% +2.9% YoY	79.03% +2.3% YoY	17%
Non-Interest-Bearing Deposit Share ?	0.39% -16.9% YoY -13.3% QoQ	-20.19%	20.58% +4.9% YoY	17.78% -2.6% YoY	21.98% -0.6% YoY	Bottom 8.6% in tier
Nonperforming Asset Ratio ?	2.73% -11.9% YoY -11.7% QoQ	+2.00%	0.73% +5.8% YoY	0.92% +4.0% YoY	0.69% +15.8% YoY	Bottom 2.9% in tier
Tier 1 Capital Ratio ?	14.24% -10.6% YoY +1.0% QoQ	-1.11%	15.35% -0.4% YoY	21.39% +2.0% YoY	17.09% +0.8% YoY	66%
Non-Interest Income / Assets ?	1.11% +4.4% YoY +107.0% QoQ	+0.62%	0.50% +10.5% YoY	2.21% +5.7% YoY	0.66% +5.2% YoY	Top 7.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Noninterest-Bearing	0.4% -0.1pp YoY -0.1pp QoQ	-20.6pp	21.0%	20.1%	22.2%	6%
Brokered Deposits	9.8% -2.1pp YoY -1.0pp QoQ	+0.6pp	9.2%	28.6%	8.5%	75%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
C&I	n/a	n/a	17.2%	25.0%	12.5%	n/a
CRE	n/a	n/a	42.0%	44.1%	41.4%	n/a
1-4 Family	n/a	n/a	23.1%	13.8%	31.3%	n/a
Consumer	112.7% -1.0pp YoY -0.3pp QoQ	+99.8pp	12.9%	45.8%	5.0%	99%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
CET1 Ratio	12.5% -3.4pp YoY -0.9pp QoQ	-2.7pp	15.3%	25.0%	19.7%	40%
Leverage Ratio	12.8% -1.1pp YoY +0.4pp QoQ	+2.4pp	10.4%	15.7%	12.6%	93%
Total Capital Ratio	17.7% -1.9pp YoY +0.1pp QoQ	+1.1pp	16.5%	26.3%	20.8%	83%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Full-Time Employees	286 +7 (+2.5%) YoY +30 (+11.7%) QoQ	-2,972	3,258	1,029	482	6%
Assets per Employee ($)	$48.5M +4.7% YoY -6.8% QoQ	+$21.4M	$27.0M	$39.6M	$8.8M	88%
Branch Count	1 0 YoY 0 QoQ	-137	137	13	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Past Due 90+ Days	3.6% -0.6pp YoY -0.5pp QoQ	+3.2pp	0.4%	0.6%	0.4%	98%
Nonaccrual	n/a	n/a	0.7%	1.2%	1.0%	n/a
Allowance Coverage	3.56x +7.4% YoY +9.5% QoQ	+0.75x	2.81x	7.86x	20.23x	85%
Net Charge-off Rate (YTD)	7.6% -0.9pp YoY -0.2pp QoQ	+7.2pp	0.4%	3.6%	0.2%	99%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
ROE	12.7% -1.2pp YoY -0.9pp QoQ	+0.1pp	12.6%	15.9%	11.6%	66%
Cost of Funds (YTD)	3.6% -0.4pp YoY +0.1pp QoQ	+1.6pp	2.0%	2.3%	1.7%	97%
Net Income ($, YTD)	$112.5M -12.8% YoY — QoQ	-$184.4M	$296.8M	$307.8M	$40.4M	36%

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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

#9 of 35 • Top 22.9% 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: 1.11%

(Tier: 0.50%, National: 0.66%)

better than tier avg

Return on Assets: 1.65%

(Tier: 1.39%, National: 1.30%)

better than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (2)

Margin Compression

decline

#9 of 18 • Bottom 44.4% 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: 1.65%

(Tier: 1.39%, National: 1.30%)

better than tier avg

18 of 18 Large banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#20 of 40 • Bottom 47.5% 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: 95.00%

(Tier: 82.61%, National: 79.03%)

worse than tier avg

40 of 40 Large banks match · 1092 nationally

→ Stable +81 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 139 peers in $10B-$250B

Top Strengths (3 metrics)

Net Interest Margin

profitability

Value: 19.26%

Peer Median: 3.92%

#1 of 139 Top 0.1% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 1.11%

Peer Median: 0.50%

#12 of 139 Top 7.9% in $10B-$250B

Return on Assets

profitability

Value: 1.65%

Peer Median: 1.39%

#29 of 139 Top 20.1% in $10B-$250B

Top Weaknesses (6 metrics)

136

Nonperforming Asset Ratio

credit_quality

Value: 2.73%

Peer Median: 0.73%

#136 of 139 Bottom 2.9% in $10B-$250B

135

Delinquency Rate

credit_quality

Value: 3.62%

Peer Median: 1.01%

#135 of 138 Bottom 2.9% in $10B-$250B

128

Non-Interest-Bearing Deposit Share

funding

Value: 0.39%

Peer Median: 20.58%

#128 of 139 Bottom 8.6% in $10B-$250B

117

Total Deposits

size

Value: $10.99B

Peer Median: $35.42B

#117 of 139 Bottom 16.5% in $10B-$250B

116

Loan-to-Deposit Ratio

liquidity

Value: 95.00%

Peer Median: 82.61%

#116 of 139 Bottom 17.3% in $10B-$250B

116

Total Assets

size

Value: $13.86B

Peer Median: $43.60B

#116 of 139 Bottom 17.3% in $10B-$250B