Bank · FDIC insured
Comenity Capital Bank
Top CarrotA $21.2B bank, the 103rd largest of 4,207, headquartered in Draper, UT, with 2 branches in 2 states. It opens accounts online nationwide. Best rates: CDs 4.85% and savings 4.05% APY.
Comenity Capital Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#1 of 19 nationwide online banksHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Comenity Capital Bank
- Headquarters
- 12921 S Vista Station Blvd, Draper, UT 84020
- FDIC certificate
- 57570 ↗
Branches
2 branches in 2 states
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Delaware
1 branch
- Comenity BankMain office1 Righter Pkwy, Wilmington, DE 19803Directions
Utah
1 branch
- Comenity Capital BankMain office12921 S Vista Station Blvd, Draper, UT 84020Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.84% | 9.97% | 10.85% or more |
| Troubled loansNoncurrent | 3.21% | 0.70% | 0.47% or less |
| ProfitabilityReturn on assets | 1.65% | 1.23% | 1.55% or more |
| LendingLoans per $100 deposited | $107 | $85 | — |
- CapitalLeverage ratio12.84%Peers’ middle 9.97% · Top 25% 10.85%+
- Troubled loansNoncurrent3.21%Peers’ middle 0.70% · Top 25% ≤0.47%
- ProfitabilityReturn on assets1.65%Peers’ middle 1.23% · Top 25% 1.55%+
- LendingLoans per $100 deposited$107Peers’ middle $85
Compared with the 164 banks with $10 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Comenity Capital Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.