D
Comenity Bank
Rating Date
June 2026
Risk Based
Capital Ratio
16.49
Leverage
Ratio
13.54
Return On
Assets
5.21%
Total
Assets
7.77B
Capital
1.05B
Total
Deposits
3.96B
Net
Income
101.89M
My Lists My Alerts
Weiss Ratings Comenity Bank
Wilmington, DE 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating D
Asset Quality Index 1.60
Capitalization Index 10.00
Liquidity Index 0.20
Profitability Index 10.00
Stability Index 9.80
Company Info Comenity Bank
Wilmington, DE 		Click to
Compare		 Click to
Compare		 Click to
Compare
FDIC Number 27499
Phone Number (302) 529-6140
Website www.breadfinancial.com
Asset Quality Comenity Bank
Wilmington, DE 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 1.35%
5-Year Asset Growth -4.67%
5-Year Charge-Offs to Average Loans 6.30%
Charge-Offs to Average Loans 6.58%
Non-Performing Assets to Assets 1.25%
Non-Performing Loans to Capital 15.00%
Non-Performing Loans to Loans 1.52%
Balance Sheet Comenity Bank
Wilmington, DE 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 7.77B
Total Deposits 3.96B
Capital and Reserves Comenity Bank
Wilmington, DE 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 1.05B
Leverage Ratio 13.54
Loan Loss Reserves to Loans 11.63%
Risk-Based Capital Ratio 16.49
Liquidity Comenity Bank
Wilmington, DE 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 46.94%
Liquidity Ratio 18.28%
Profitability Comenity Bank
Wilmington, DE 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 5.02%
Net Income 101.89M
Net Interest Spread 19.90%
Operating Profit to Average Assets 6.96%
Overhead Efficiency Ratio 48.85%
Return on Assets 5.21%
Return on Equity 38.74%