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BDI
CB

Comenity Bank

Wilmington, DelawareFDIC Cert #27499

STATEEstablished 19891 branch

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

What's happening here

As of Q1 2026FDICCall Report

Comenity Bank reported $7.77B in total assets. Deposits grew 22.85% over the prior year.

Return on assets was 5.25%, compared with the official FFIEC UBPR peer median of 2.62%. The leverage ratio was 13.54%.

  • Why is Return on Assets above its official FFIEC UBPR peers?
  • Why is Deposit Growth, Year over Year above its official FFIEC UBPR peers?
  • Why is Net Loan Growth, Year over Year below its official FFIEC UBPR peers?

Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.

Latest reported quarter

Key metrics

Assets
$7.77B
+1.3%y/y
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICASSET
Deposits
$3.96B
+22.9%y/y
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICDEP
Net loans
$5.64B
−1.8%y/y
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICLNLSNET
ROA
5.25%
+8 bpsy/y
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNETINC + ROA
Efficiency
48.84%
+203 bpsy/y
Peer standing67th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNONIX + NIM + NONII + EEFFR
Leverage
13.54%
−128 bpsy/y
Peer standing83rd percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICRBC1AAJ

Percentiles compare this bank with 7 ffiec ubpr peer group 201 — credit card specialty banks having assets greater than $ 3 billion.

Side-by-side comparison

Comenity Bank beside its official FFIEC UBPR peers

The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.

FFIEC + FDICUBPR membership + Call Report metrics
ROA

This bank

5.25%

Registry median

2.62%
ROE

This bank

38.74%

FFIEC trimmed average

21.62%
NIM

This bank

22.18%

Registry median

12.97%
Loans YoY

This bank

−1.80%

FFIEC trimmed average

+15.10%
Leverage

This bank

13.54%

FFIEC trimmed average

12.50%

FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.

FDICCall Report

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$9.13B$3.27B
Q3 2021$8.96B$3.13B
Q4 2021$9.79B$3.7B
Q1 2022$9.32B$3.47B
Q2 2022$9.2B$3.56B
Q3 2022$8.83B$3.98B
Q4 2022$9.12B$4.64B
Q1 2023$8.55B$4.36B
Q2 2023$8.4B$4.32B
Q3 2023$8.23B$4.27B
Q4 2023$8.68B$4.34B
Q1 2024$8.1B$3.86B
Q2 2024$7.79B$3.53B
Q3 2024$7.52B$3.2B
Q4 2024$8.09B$3.26B
Q1 2025$7.66B$3.22B
Q2 2025$7.44B$3.4B
Q3 2025$7.31B$3.62B
Q4 2025$7.76B$3.74B
Q1 2026$7.77B$3.96B

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$0
Investor CRE$0
Multifamily$0
Construction$0
1–4 family$0
C&I$0
Agriculture$0
Other$6.38B

FFIEC UBPR comparison

How this bank compares

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
100th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 1.39%Median 2.62%90th 4.34%Observations 7
ROE
FDICNETINC + ROE
75th percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 9.81%Median 16.90%90th 40.10%Observations 7
NIM
FDICNIM + NIMY
100th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 8.44%Median 12.97%90th 20.65%Observations 7
Efficiency
FDICNONIX + NIM + NONII + EEFFR
67th percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 34.19%Median 50.04%90th 64.72%Observations 7
Deposits YoY
FDICDEP
75th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th +1.19%Median +4.86%90th +27.30%Observations 7
Loans YoY
FDICLNLSNET
12th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th +0.16%Median +7.12%90th +40.91%Observations 7
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
62nd percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 1.29%Median 2.32%90th 3.74%Observations 7
Leverage
FDICRBC1AAJ
75th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 9.96%Median 12.45%90th 14.97%Observations 7

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
0th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 3.54%Median 3.92%90th 5.43%Observations 7
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
0th percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 0%Median 0%90th 12%Observations 7

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.

Branches & markets

Physical footprint

Domestic offices
1 branch
Headquarters
Wilmington, DE
FDICOFFDOMOpen the Delaware dashboard →

History

Institution established

Filings

Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data