Comenity Bank vs County Bank
Comparing a Bank in Wilmington, DE with a Bank in Rehoboth Beach, DE using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Comenity Bank ↗ Bank · Wilmington, DE · Est. 1989 | County Bank ↗ Bank · Rehoboth Beach, DE · Est. 1990 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Wilmington, DE | Rehoboth Beach, DE |
| Total assets | $7.8B | $684.8M |
| Capital ratio | 13.6% | 14.1% |
| Return on assets | 5.2% | 3.3% |
| Deposits | $4.0B | $567.9M |
| Branches | 1 | 7 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 16 | #5 of 16 |
| Established | 1989 | 1990 |
Comenity Bank
- Assets: $7.8B
- Deposits: $4.0B
- Capital ratio: 13.6%
- Return on assets: 5.2%
- CFPB complaints: 0
- State rank: #4 of 16
County Bank
- Assets: $684.8M
- Deposits: $567.9M
- Capital ratio: 14.1%
- Return on assets: 3.3%
- CFPB complaints: 0
- State rank: #5 of 16
Are both institutions federally insured?
Yes. Comenity Bank is FDIC-insured and County Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Comenity Bank or County Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Comenity Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Comenity Bank safe?
Yes — Comenity Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is County Bank safe?
Yes — County Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Comenity Bank vs County Bank?
Comenity Bank has a capital ratio of 13.6%, placing it in the top 12% of $1B–10B peers. County Bank's ratio is 14.1%, placing it in the top 14% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Comenity Bank have compared to County Bank?
The CFPB database shows 0 complaints against Comenity Bank, and 0 complaints against County Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Comenity Bank with other Banks in Delaware
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
