Comenity Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans to total assets: 3.61 percentage points higher than in Q1 2026, at 85.78%. Among 17 Delaware banks, Comenity Bank sits 2nd from the top on loan-to-deposit ratio, 157.73% as of Q2 2026. Against a median of 88.20% for banks in the $1B-10B asset tier, Comenity Bank reported 157.73% on loan-to-deposit ratio in Q2 2026, 69.53 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.32B |
| Net loans and leases | $5.59B |
| Loans held for sale | $0 |
| Loans to total assets | 85.78% |
| Loan-to-deposit ratio | 157.73% |
| Net loans to equity capital | 5.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 100.00% |
| Credit cards | 100.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 26.83% |
| Interest income on loans | $426.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $7.21B | $4.27B | 0.00% | 0.00% | 100.00% |
| Q4 2023 | $7.63B | $4.34B | 0.00% | 0.00% | 100.00% |
| Q1 2024 | $7.08B | $3.86B | 0.00% | 0.00% | 100.00% |
| Q2 2024 | $6.77B | $3.53B | 0.00% | 0.00% | 100.00% |
| Q3 2024 | $6.59B | $3.20B | 0.00% | 0.00% | 100.00% |
| Q4 2024 | $6.99B | $3.26B | 0.00% | 0.00% | 100.00% |
| Q1 2025 | $6.55B | $3.22B | 0.00% | 0.00% | 100.00% |
| Q2 2025 | $6.41B | $3.40B | 0.00% | 0.00% | 100.00% |
| Q3 2025 | $6.35B | $3.62B | 0.00% | 0.00% | 100.00% |
| Q4 2025 | $6.76B | $3.74B | 0.00% | 0.00% | 100.00% |
| Q1 2026 | $6.38B | $3.96B | 0.00% | 0.00% | 100.00% |
| Q2 2026 | $6.32B | $4.01B | 0.00% | 0.00% | 100.00% |
Comenity Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Comenity Bank, freeSource: Call Report Schedule RC-C, 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)