C
Comenity Capital Bank
DraperUT
Rating Date
August 2024
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Comenity Capital Bank
Draper, UT
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Rating C
Asset Quality Index 1.50
Capitalization Index 10.00
Liquidity Index 1.10
Profitability Index 6.60
Stability Index 9.80
Company Info Comenity Capital Bank
Draper, UT
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FDIC Number 57570
Phone Number (801) 527-2273
Website www.breadfinancial.com
Asset Quality Comenity Capital Bank
Draper, UT
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1-Year Asset Growth 7.49%
5-Year Asset Growth 8.29%
5-Year Charge-Offs to Average Loans 5.75%
Charge-Offs to Average Loans 9.15%
Non-Performing Assets to Assets 1.38%
Non-Performing Loans to Capital 14.99%
Non-Performing Loans to Loans 1.65%
Balance Sheet Comenity Capital Bank
Draper, UT
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Total Assets 12.67B
Total Deposits 9.53B
Capital and Reserves Comenity Capital Bank
Draper, UT
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Capital 2.02B
Leverage Ratio 15.72
Loan Loss Reserves to Loans 12.35%
Risk-Based Capital Ratio 19.49
Liquidity Comenity Capital Bank
Draper, UT
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Hot Money Ratio 28.98%
Liquidity Ratio 23.37%
Profitability Comenity Capital Bank
Draper, UT
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5-Year Return on Average Assets 2.27%
Net Income 178.36M
Net Interest Spread 17.05%
Operating Profit to Average Assets 3.79%
Overhead Efficiency Ratio 49.16%
Return on Assets 2.80%
Return on Equity 18.11%
Weiss Ratings