Comenity Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 22.44 percentage points lower than in Q1 2026, at 743.84%. Comenity Bank ranks 4th of 17 Delaware banks on return on assets, in the upper half at 4.57% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, Comenity Bank reported 4.57% on return on assets in Q2 2026, 3.29 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.53% |
| Tier 1 risk-based capital ratio | 15.53% |
| Total risk-based capital ratio | 16.90% |
| Tier 1 leverage ratio | 13.38% |
| Equity capital to assets | 13.82% |
| Tangible equity to tangible assets | 13.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.55% |
| Non-performing assets ratio | 1.33% |
| Net charge-off ratio | 6.27% |
| Texas ratio | 17.34% |
| Allowance for credit losses to loans | 11.56% |
| Reserve coverage of non-performing loans | 743.84% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 4.57% |
| Return on equity | 33.74% |
| Net interest margin | 19.55% |
| Efficiency ratio | 50.77% |
| Yield on earning assets | 23.25% |
| Cost of funds | 4.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 157.73% |
| Core deposits to total deposits | 1.91% |
| Brokered deposits to total deposits | 99.09% |
| Deposits to assets | 54.38% |
| Securities to assets | 1.22% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.29% | 20.29% | 21.64% | 17.52% | 6.21% |
| Q4 2023 | 19.72% | 19.72% | 21.07% | 17.89% | 4.25% |
| Q1 2024 | 18.23% | 18.23% | 19.59% | 15.94% | 4.26% |
| Q2 2024 | 18.03% | 18.03% | 19.40% | 15.71% | 5.76% |
| Q3 2024 | 17.43% | 17.43% | 18.80% | 15.24% | 6.03% |
| Q4 2024 | 16.53% | 16.53% | 17.89% | 15.26% | 2.40% |
| Q1 2025 | 16.99% | 16.99% | 18.37% | 14.82% | 5.14% |
| Q2 2025 | 15.81% | 15.81% | 17.19% | 13.93% | 4.60% |
| Q3 2025 | 15.39% | 15.39% | 16.76% | 13.48% | 6.59% |
| Q4 2025 | 15.11% | 15.11% | 16.48% | 14.07% | 3.29% |
| Q1 2026 | 15.12% | 15.12% | 16.49% | 13.54% | 5.21% |
| Q2 2026 | 15.53% | 15.53% | 16.90% | 13.38% | 4.57% |
Comenity Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Comenity Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)