Comenity Capital Bank

12921 South Vista Station Boulevard
Draper, UT 84020

Notable Rates APY Vs.Others
Savings N.A. 2.60% →
1-Year CD N.A. 2.25% →
2-Year CD N.A. 2.50% →
5-Year CD N.A. 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Comenity Capital Bank is an FDIC insured institution located in Draper, UT. It was founded in 2003 and has approximately $9.7 billion in assets.

FDIC Insured Yes
FDIC Certificate # 57570
Date Established 2003
Assets $9.70 billion
Loans $7.41 billion
Deposits $7.36 billion
Capital $1.31 billion
 

For a more detailed analysis of Comenity Capital Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - November 21, 2019

Your Current Location: Washington, WA 98109

Online Only Savings Rates of Comenity Direct

Online Savings Rates APY MIN MAX

Online Only CD Rates of Comenity Direct

Online CD Rates APY MIN MAX
1-Year CD
2.10% $1,500 - Learn MoreShow Less
2-Year CD
2.15% $1,500 - Learn MoreShow Less
3-Year CD
2.20% $1,500 - Learn MoreShow Less
4-Year CD
2.20% $1,500 - Learn MoreShow Less
5-Year CD
2.20% $1,500 - Learn MoreShow Less
There are currently no rates available for Comenity Capital Bank, but see these great savings and CD rates:

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Bank Online Offers


Loan Rates - November 21, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Comenity Capital Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.526% 3.500% 0.38 $802 $1,123 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Comenity Capital Bank
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Branches

Comenity Capital Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Comenity Capital Bank Locations


Financial Details

Comenity Capital Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Comenity Capital Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Comenity Capital Bank U.S. Bank Average
10.32% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, Comenity Capital Bank had $173,596,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $1,314,153,000 in equity and $368,319,000 in loans loss reserves. That gives it a Texas Ratio of 10.32%.

Return on Equity
Comenity Capital Bank U.S. Bank Average
21.9% 9.50%

Comenity Capital Bank has a Return on Equity of 21.9% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Comenity Capital Bank U.S. Bank Average
13.55% 12.76%

Comenity Capital Bank has a Capitalization of 13.55% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Comenity Capital Bank Balance Sheet Analysis

As of June 30, 2019, Comenity Capital Bank had assets of $9,697,956,000, loans of $7,408,386,000, and deposits of $7,355,921,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $1.75 billion
Interest-bearing balances $1.61 billion
Total securities $0.12 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $7.41 billion
Loan loss allowance $0.37 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.05 billion
All other assets $0.37 billion
     Total Assets $8.38 billion
LIABILITIES
Total deposits $7.36 billion
      Interest-bearing deposits $7.34 billion
      Deposits held in domestic offices $7.36 billion
      % insured (estimated) 99.52%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.69 billion
Subordinated debt $0.00 billion
All other liabilities $0.34 billion
      Total Liabilities $8.38 billion
      Shareholders’ Equity $1.31 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.79 billion
Total Interest Expense $0.11 billion
Net interest income $0.69 billion
Provision for loan and lease losses $0.17 billion
Total non interest income $0.09 billion
Total non interest expense $0.43 billion
Pre-tax Net Operating Income $0.17 billion

Bank Loan Profile?

The top three loan types in Comenity Capital Bank’s loan portfolio are Credit Card Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Utah, Comenity Capital Bank has a significantly higher percent of Credit Card Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 88.96
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.16
Farm Loans 0.00

Frequently Asked Questions About Comenity Capital Bank

Branches and Savings

Is Comenity Capital Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57570.

Why does Comenity Capital Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Comenity Capital Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Comenity Capital Bank a commercial bank?

Yes

Where are Comenity Capital Bank locations?

See branch locations nearby.

Is Comenity Capital Bank open on Saturdays?

Is Comenity Capital Bank open on Sundays?

What time does Comenity Capital Bank open?

What time does Comenity Capital Bank close?

Are Comenity Capital Bank ATMs Open 24/7?

Do Comenity Capital Bank ATMs accept cash deposits?

Can Comenity Capital Bank customers use other ATMs?

Do Comenity Capital Bank branches have notaries?

Will Comenity Capital Bank notarize my document?

What address for Comenity Capital Bank should I put for incoming ACH transfers?

Will the Comenity Capital Bank branch print checks?

Do Comenity Capital Bank checks expire?

Does Comenity Capital Bank require US citizenship to open account?

Can Comenity Capital Bank close my account?

Does Comenity Capital Bank Report to credit bureaus?

Does Comenity Capital Bank Use Equifax?

What is Comenity Capital Bank's ACH Routing Number?

What is Comenity Capital Bank's SWIFT code?

Products

Does Comenity Capital Bank offer mortgages?

Compare mortgage rates here.

Does Comenity Capital Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Comenity Capital Bank offer personal loans?

Compare personal loan rates here.

Does Comenity Capital Bank offer student loans?

Will Comenity Capital Bank cash a check?

Will Comenity Capital Bank redeem a savings bond?

Does Comenity Capital Bank cash savings bonds?

Will Comenity Capital Bank cash money orders?

Can Comenity Capital Bank issue a money order?

Does Comenity Capital Bank do currency exchange?

Background on The Bank

Who owns Comenity Capital Bank?

How long has Comenity Capital Bank been around?

Can Comenity Capital Bank transfer to other banks?

Does Comenity Capital Bank have quick pay?

Does Comenity Capital Bank accept rolled coins?

Will Comenity Capital Bank accept loose change?

Where is Comenity Capital Bank headquarters?

Customer Reviews for Comenity Capital Bank


  • February 09, 2018


    David Tracey · Owner/ President at Daves Lock and key LLC
    i have had a boscovs credit card for many years and spent thousands of dollars have never carried a balance and then get notice that my credit limit is being lowered due to in activity?? really well I will never shop at boscovs again and they can stick this 100 credit limit where the sun dont shine,,,morons

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