Comenity Bank
Wilmington, DE · Cert 27499 · Peer group: banks $1B-$10B in assets (n=322-328)
State charter, non-member · FDIC · 1 branch
Q2 2026
$7.4BAssets
$6.3BLoans
$4.0BDeposits
$1.0BEquity
Executive Summary
- Strongest standing: return on equity outperforms 99% of banks $1B-$10B in assets (rank 4 of 328).
- Widest gap: net charge-offs / loans trails 99% of banks $1B-$10B in assets (rank 320 of 322).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
5.14%
Rank 5 of 328
Net Interest Margin
19.81%
Rank 3 of 328
Efficiency Ratio
49.80%
Rank 67 of 328
Equity / Assets
13.82%
Rank 36 of 328
Non-interest income vs. expense
Unfavorable gap of $685.8M · efficiency ratio beats 80% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 5.14% | 0.91% | 1.22% | 1.52% | Beats 98% | 5 / 328 | |
| Return on Equity | 37.17% | 8.43% | 11.45% | 14.43% | Beats 99% | 4 / 328 | |
| Net Interest Margin | 19.81% | 3.03% | 3.45% | 3.83% | Beats 99% | 3 / 328 | |
| Efficiency Ratio | 49.80% | 51.61% | 59.56% | 67.53% | Beats 80% | 67 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.24% | 0.24% | 0.51% | 1.03% | Beats 5% | 307 / 322 | |
| Net Charge-Offs / Loans | 4.28% | 0.01% | 0.03% | 0.10% | Beats 1% | 320 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 15.53% | 11.75% | 13.15% | 15.47% | Beats 75% | 81 / 328 | |
| Total Risk-Based Capital Ratio | 16.90% | 12.63% | 14.15% | 16.46% | Beats 79% | 69 / 328 | |
| Equity / Assets | 13.82% | 9.15% | 10.33% | 12.01% | Beats 89% | 36 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 157.73% | 76.63% | 87.92% | 95.36% | 99th pctl | 3 / 323 | |
| Loans / Assets | 85.78% | 65.18% | 74.15% | 79.98% | 93rd pctl | 23 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |