D
Comenity Bank
Rating Date
August 2024
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Comenity Bank
Wilmington, DE
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Rating D
Asset Quality Index 1.60
Capitalization Index 10.00
Liquidity Index 0.20
Profitability Index 9.50
Stability Index 9.50
Company Info Comenity Bank
Wilmington, DE
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FDIC Number 27499
Phone Number (302) 529-6140
Website www.breadfinancial.com
Asset Quality Comenity Bank
Wilmington, DE
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1-Year Asset Growth -7.28%
5-Year Asset Growth -7.82%
5-Year Charge-Offs to Average Loans 6.02%
Charge-Offs to Average Loans 7.54%
Non-Performing Assets to Assets 1.58%
Non-Performing Loans to Capital 14.82%
Non-Performing Loans to Loans 1.82%
Balance Sheet Comenity Bank
Wilmington, DE
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Total Assets 7.79B
Total Deposits 3.53B
Capital and Reserves Comenity Bank
Wilmington, DE
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Capital 1.19B
Leverage Ratio 15.71
Loan Loss Reserves to Loans 12.63%
Risk-Based Capital Ratio 19.40
Liquidity Comenity Bank
Wilmington, DE
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Hot Money Ratio 45.39%
Liquidity Ratio 18.21%
Profitability Comenity Bank
Wilmington, DE
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5-Year Return on Average Assets 4.37%
Net Income 205.02M
Net Interest Spread 18.89%
Operating Profit to Average Assets 6.80%
Overhead Efficiency Ratio 44.62%
Return on Assets 4.99%
Return on Equity 32.01%
Weiss Ratings