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2795 E Cottonwood Parkway, #
Salt Lake City, UT 84121

Comenity Capital Bank is headquartered in Salt Lake City and is the 16st largest bank in the state of Utah. It is also the 387th largest bank in the nation. It was established in 2003 and as of March of 2014, it had grown to 20 employees at 1 location. Comenity Capital Bank has a A health rating.

Reviews (1)

Comenity Capital Bank

Comenity Capital Bank
Last year i had a heart attack, also I have severe COPD and I am on Oxygen-24-7. My wife had a mild stroke. I am 75 years old. I would like to thank you for working with us during this hard time. what I don't understand is that World Financial Capital Bank keeps call me on the phone as many as 8 times a day or more, 7 days per week. I will continue to make some kind of payment on a regular basis, as I have for this many years. If and when I can I will do more. Please get FCB to stop calling, If I have another heart attack and die. You will not get anything. I will pay each and every month.
I Thank You
Jerry Flowers


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Comenity Capital Bank had $31.63 million in non-current loans and owned real-estate with $335.75 million in equity and loan loss allowances on hand to cover it. This gives Comenity Capital Bank a Texas Ratio of 9.42% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Comenity Capital Bank experienced no significant changes from 8.66% as of March 31, 2013 to 9.42% as of March 31, 2014, resulting in a negative change of 8.78%. This indicates that the balance sheet and financial strength for Comenity Capital Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Comenity Capital Bank has increased its total deposits by $546.83 million, resulting in 97.31% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Comenity Capital Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Comenity Capital Bank has $1.81 billion in assets with $335.75 million in equity, resulting in a capitalization level of 18.53%, which is excellent.

Institution Statistics

FDIC Certificate #57570
Year Established2003
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.81 billion
Loans$1.53 billion
Deposits$1.11 billion
Equity Capital$241.88 million
Loan Loss Allowance$93.87 million
Unbacked Noncurrent Loans$31.63 million
Real Estate Owned$0
Historic Data - March 2013
Assets$1.11 billion
Equity Capital$172.79 million
Loan Loss Allowance$73.52 million
Unbacked Noncurrent Loans$31.63 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets5.07%
Return on Equity38.62%
Interest Income$81.05 million

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Comenity Capital Bank Locations
Comenity Capital Bank2795 East Cottonwood Parkway, Suite 100Salt Lake City, UT 84121