BlastPoint's Banking Scorecard
Comenity Capital Bank
Mid-Market
Specialty: Credit Card
UT
FDIC cert 57570
Draper, UT
201
banks in Mid-Market tier nationally
7 in UT
View Mid-Market leaderboard (UT) →
Comenity Capital Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 12% in Mid-Market
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 34% in Mid-Market
- - Cost Spiral: Bottom 83% in Mid-Market
- - Delinquency Rate 3.50% above tier
- - Non-Interest-Bearing Deposit Share 20.21% below tier
- - Nonperforming Asset Ratio 2.68% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$13.6B
+2.7% YoY
+7.3% QoQ
|
+$3.2B |
$10.5B
+2.9% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$10.3B
+2.0% YoY
+7.4% QoQ
|
+$3.2B |
$7.1B
+4.5% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$10.4B
+5.7% YoY
+4.7% QoQ
|
+$1.9B |
$8.5B
+3.0% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
1.60%
-5.5% YoY
-19.0% QoQ
|
+0.43% |
1.16%
+9.4% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
19.60%
-0.3% YoY
+0.3% QoQ
|
+16.20% |
3.40%
+7.9% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
- |
| Efficiency Ratio ? |
57.26%
+12.8% YoY
+1.5% QoQ
|
+0.65% |
56.60%
-3.2% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
4.19%
-7.4% YoY
-3.5% QoQ
|
+3.50% |
0.68%
+12.0% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
98.94%
-3.5% YoY
+2.6% QoQ
|
+13.47% |
85.47%
+1.1% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.43%
-4.5% YoY
-5.7% QoQ
|
-20.21% |
20.64%
-0.3% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
3.17%
-8.1% YoY
-3.4% QoQ
|
+2.68% |
0.50%
+7.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
14.08%
-8.4% YoY
-8.8% QoQ
|
+0.53% |
13.55%
+1.8% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
2.07%
+5.8% YoY
+24.5% QoQ
|
+1.11% |
0.96%
+7.1% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#7 of 49 · Top 12% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.07%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
1.60%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
Concerns (5)
Liquidity Strain
risk
#28 of 80 · Bottom 34% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
98.94%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Cost Spiral
risk
#6 of 7 · Bottom 83% in Mid-Market
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
57.26%
(Tier: 56.60%, National: 65.09%)
7 of 7 Mid-Market banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Delinquency Rate
metric
Bottom 1%
in Mid-Market
Why this stands out
Current:
4.19%
(Tier avg: 0.68%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Mid-Market
Why this stands out
Current:
0.43%
(Tier avg: 20.64%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Mid-Market
Why this stands out
Current:
3.17%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Non-Interest Income / Assets
Current: 2.07% · Tier avg: 0.96%
86
86th pctile
Loan-to-Deposit Ratio
Current: 98.94% · Tier avg: 85.47%
80
80th pctile
Total Loans
Current: $10.3B · Tier avg: $7.1B
80
80th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.16%
76
76th pctile
Total Assets
Current: $13.6B · Tier avg: $10.5B
74
74th pctile
Total Deposits
Current: $10.4B · Tier avg: $8.5B
72
72th pctile
Tier 1 Capital Ratio
Current: 14.08% · Tier avg: 13.55%
47
47th pctile
Efficiency Ratio
Current: 57.26% · Tier avg: 56.60%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 0.43% · Tier avg: 20.64%
0
0th pctile
Delinquency Rate
Current: 4.19% · Tier avg: 0.68%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.17% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.17% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 4.19% · Tier avg: 0.68%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 0.43% · Tier avg: 20.64%
47
47th pctile
Efficiency Ratio
Current: 57.26% · Tier avg: 56.60%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.08% · Tier avg: 13.55%
74
74th pctile
Total Deposits
Current: $10.4B · Tier avg: $8.5B
76
76th pctile
Total Assets
Current: $13.6B · Tier avg: $10.5B
80
80th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.16%
80
80th pctile
Total Loans
Current: $10.3B · Tier avg: $7.1B
86
86th pctile
Loan-to-Deposit Ratio
Current: 98.94% · Tier avg: 85.47%
94
94th pctile
Non-Interest Income / Assets
Current: 2.07% · Tier avg: 0.96%