Comenity Capital Bank
Draper, UT
IDRSSD: 3224580
Total Assets
$12.70B
Latest filing
Total Deposits
$9.98B
Latest filing
Net Interest Margin
20.35%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Comenity Capital Bank
12921 S Vista Station Blvd
Draper, UT 84020
Full Service - Brick and Mortar
Updated 11/14/2025Established 12/01/2003FDIC Certificate 365652
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Comenity Capital Bank (Main) | 12921 S Vista Station Blvd | Draper, UT | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/01/2003 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 84020 |
| State and County Number | 49035 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 23 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Salt Lake City, UT |
Operational Info
| Number of Employees | 279 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/12/2023 |
| Date of Deposit Insurance | 12/01/2003 |
| Primary Insurance Agency | DIF |
| Website | Savings.Breadfinancial.com |
| Data Updated | 11/14/2025 |
| CERT | 57570 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $12.70B |
| Total Deposits | $9.98B |
| Total Liabilities | $10.87B |
| Total Equity Capital | $1.83B |
| Net Income | $63.50M |
| Net Loans and Leases | $9.62B |
| Assets Per Employee ($Millions) | $47.21M |
| Bank Premises and Fixed Assets | $133.00k |
| Cash and Balances due from Depository Institutions | $2.15B |
| Deposits Held in Domestic Offices | $9.98B |
Key Performance Ratios
| Return on Assets (ROA) | 1.98% |
| Return on Equity (ROE) | 13.68% |
| Net Interest Margin | 20.35% |
| Efficiency Ratio | 57.75% |
| Tier 1 Risk-Based Capital Ratio | 15.44% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 6.36% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.385% |
| Earning Assets to total Assets | 93.05% |
Income and Expense
| Total Interest Income | $716.79M |
| Total Noninterest Income | $73.14M |
| Total Interest Expense | $112.53M |
| Total Noninterest Expense | $398.57M |
| Net Interest Income | $604.25M |
| Pre-tax Net Operating Income | $75.30M |
| Provision for Credit Losses | $203.53M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $246.10M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $397.87M |
| Total Liabilities and Capital | $12.70B |
Securities
| Securities | $110.31M |
| Available-for-sale debt securities | $94.40M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $250.00M |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Comenity Capital Bank?
$12.70B as of the latest filing.
How much are Comenity Capital Bank's total deposits?
$9.98B in total deposits.
Where is Comenity Capital Bank located?
Draper, UT.
What is the Net Interest Margin?
20.35%.
How many domestic offices does it operate?
1.
When was it established?
12/01/2003.
What is the Return on Assets (ROA)?
1.98%.
How much are total loans and leases?
$9.62B (latest filing).
What is the total interest income (latest filing)?
$716.79M.