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BDI
CB

Comenity Bank

Wilmington, DelawareFDIC Cert #27499

STATEEstablished 19891 branch

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
3.25%
−5.5%y/y
Peer standing33rd percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICP3ASSET + LNLSGR
90+ %
3.47%
−8.5%y/y
Peer standing17th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICP9ASSET + LNLSGR
Nonaccrual %
0.00%
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNAASSET + LNLSGR
Noncurrent %
3.47%
−8.5%y/y
Peer standing33rd percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
2.85%
−12.0%y/y
Peer standing33rd percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$222M
−10.8%y/y
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
6.62%
−10.1%y/y
Peer standing33rd percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNTLNLS + LNLSGR
NCO
$107M
−14.2%y/y
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
11.63%
−5.5%y/y
Percentile by value67th percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICLNATRES + LNLSGR
30–89
$208M
−7.9%y/y
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICP3ASSET
90+
$222M
−10.8%y/y
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICP9ASSET
Nonaccrual
$0
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNAASSET