D
Comenity Bank
Rating Date
March 2026
Risk Based
Capital Ratio
16.48
Leverage
Ratio
14.07
Return On
Assets
4.91%
Total
Assets
7.76B
Capital
1.05B
Total
Deposits
3.74B
Net
Income
375.50M
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Weiss Ratings Comenity Bank
Wilmington, DE 		Click to
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Rating D
Asset Quality Index 1.50
Capitalization Index 10.00
Liquidity Index 0.20
Profitability Index 10.00
Stability Index 9.80
Company Info Comenity Bank
Wilmington, DE 		Click to
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FDIC Number 27499
Phone Number (302) 529-6140
Website www.breadfinancial.com
Asset Quality Comenity Bank
Wilmington, DE 		Click to
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1-Year Asset Growth -4.13%
5-Year Asset Growth -4.67%
5-Year Charge-Offs to Average Loans 6.29%
Charge-Offs to Average Loans 6.93%
Non-Performing Assets to Assets 1.23%
Non-Performing Loans to Capital 15.86%
Non-Performing Loans to Loans 1.42%
Balance Sheet Comenity Bank
Wilmington, DE 		Click to
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Total Assets 7.76B
Total Deposits 3.74B
Capital and Reserves Comenity Bank
Wilmington, DE 		Click to
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Capital 1.05B
Leverage Ratio 14.07
Loan Loss Reserves to Loans 11.40%
Risk-Based Capital Ratio 16.48
Liquidity Comenity Bank
Wilmington, DE 		Click to
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Hot Money Ratio 49.92%
Liquidity Ratio 17.37%
Profitability Comenity Bank
Wilmington, DE 		Click to
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5-Year Return on Average Assets 4.63%
Net Income 375.50M
Net Interest Spread 19.30%
Operating Profit to Average Assets 5.89%
Overhead Efficiency Ratio 49.60%
Return on Assets 4.91%
Return on Equity 34.80%