Comenity Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Comenity Bank of Wilmington, DE against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 4.57% | 1.43% | +3.14% | 99th top |
| ROAE | 33.74% | 12.48% | +21.26% | 98th top |
| Net Interest Margin | 19.55% | 3.82% | +15.73% | 100th top |
| Efficiency Ratio | 50.77% | 58.88% | -8.11% | 74th above |
| PPNR / Avg Assets | 10.43% | 1.77% | +8.66% | 100th top |
| Yield on Earning Assets | 23.25% | 5.70% | +17.55% | 100th top |
| Cost of Funds | 4.40% | 2.02% | +2.38% | 0th bottom |
| Net Interest Spread | 18.76% | 3.16% | +15.60% | 100th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.55% | 0.96% | +0.59% | 17th bottom |
| NPA / Total Assets | 1.33% | 0.75% | +0.58% | 16th bottom |
| NCO / Avg Loans | 6.27% | 0.30% | +5.97% | 1st bottom |
| ACL / Total Loans | 11.56% | 1.24% | +10.32% | 100th top |
| ACL / NPLs (Coverage) | 743.84% | 698.79% | +45.05% | 87th top |
| Texas Ratio | 17.34% | 7.15% | +10.19% | 9th bottom |
| Provision / NCO | 80.96% | 815.50% | -734.54% | 26th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.53% | 17.41% | -1.88% | 75th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.53% | 17.45% | -1.92% | 74th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.90% | 18.50% | -1.60% | 77th top |
| Leverage Ratio | 13.38% | 11.59% | +1.79% | 87th top |
| Equity / Assets | 13.82% | 11.33% | +2.49% | 89th top |
| TCE / Tangible Assets | 13.81% | 10.65% | +3.16% | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 157.73% | 86.28% | +71.45% | 0th bottom |
| Core Deposit Ratio | 1.91% | 85.65% | -83.74% | 0th bottom |
| Uninsured Deposit Ratio | 1.04% | 32.74% | -31.70% | 100th top |
| Wholesale Funding Ratio | 28.54% | 5.42% | +23.12% | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.92% | 10.47% | -11.39% | 12th bottom |
| Loan Growth (Y/Y) | -1.37% | 8.00% | -9.37% | 12th bottom |
| Deposit Growth (Y/Y) | 17.74% | 7.97% | +9.77% | 89th top |
See Comenity Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Comenity Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Comenity Bank profile, how to read a UBPR, or how this data updates.