Comenity Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 6.1% to -$6.2M. Comenity Bank ranks 9th of 14 Delaware banks on CET1 ratio, in the lower half at 15.53% (Q2 2026). Comenity Bank reported 15.53% on CET1 ratio for Q2 2026, 2.05 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.53% |
| Tier 1 risk-based capital ratio | 15.53% |
| Total risk-based capital ratio | 16.90% |
| Tier 1 leverage ratio | 13.38% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.02B |
| Tier 1 capital | $1.02B |
| Total risk-based capital | $1.11B |
| Total equity capital | $1.02B |
| Risk-weighted assets | $6.59B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.82% |
| Tangible equity to tangible assets | 13.81% |
| Equity capital to average assets | 13.30% |
| Internal capital growth rate | -14.27% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $17.5M |
| Common stock surplus | $242.9M |
| Retained earnings | $764.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 20.29% | 20.29% | 21.64% | 17.52% | $7.35B |
| Q4 2023 | 19.72% | 19.72% | 21.07% | 17.89% | $7.76B |
| Q1 2024 | 18.23% | 18.23% | 19.59% | 15.94% | $7.41B |
| Q2 2024 | 18.03% | 18.03% | 19.40% | 15.71% | $7.05B |
| Q3 2024 | 17.43% | 17.43% | 18.80% | 15.24% | $6.83B |
| Q4 2024 | 16.53% | 16.53% | 17.89% | 15.26% | $7.20B |
| Q1 2025 | 16.99% | 16.99% | 18.37% | 14.82% | $6.91B |
| Q2 2025 | 15.81% | 15.81% | 17.19% | 13.93% | $6.73B |
| Q3 2025 | 15.39% | 15.39% | 16.76% | 13.48% | $6.60B |
| Q4 2025 | 15.11% | 15.11% | 16.48% | 14.07% | $6.98B |
| Q1 2026 | 15.12% | 15.12% | 16.49% | 13.54% | $7.00B |
| Q2 2026 | 15.53% | 15.53% | 16.90% | 13.38% | $6.59B |
Comenity Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Comenity Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Comenity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27499) · FFIEC NIC profile (RSSD 1391778)