D
Comenity Bank
Rating Date
October 2025
Risk Based
Capital Ratio
17.19
Leverage
Ratio
13.93
Return On
Assets
4.88%
Total
Assets
7.44B
Capital
1.06B
Total
Deposits
3.40B
Net
Income
189.74M
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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 -4.53%
5-Year Asset Growth -8.40%
5-Year Charge-Offs to Average Loans 6.29%
Charge-Offs to Average Loans 7.13%
Non-Performing Assets to Assets 1.72%
Non-Performing Loans to Capital 15.87%
Non-Performing Loans to Loans 2.00%
Balance Sheet Comenity Bank
Wilmington, DE 		Click to
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Total Assets 7.44B
Total Deposits 3.40B
Capital and Reserves Comenity Bank
Wilmington, DE 		Click to
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Capital 1.06B
Leverage Ratio 13.93
Loan Loss Reserves to Loans 12.09%
Risk-Based Capital Ratio 17.19
Liquidity Comenity Bank
Wilmington, DE 		Click to
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Hot Money Ratio 44.87%
Liquidity Ratio 18.45%
Profitability Comenity Bank
Wilmington, DE 		Click to
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5-Year Return on Average Assets 4.63%
Net Income 189.74M
Net Interest Spread 18.86%
Operating Profit to Average Assets 6.50%
Overhead Efficiency Ratio 48.74%
Return on Assets 4.88%
Return on Equity 33.71%