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Comenity Bank

Wilmington, DE · Cert 27499

State charter, non-member · FDIC · 1 branch

Q2 2026

$7.4BAssets
$6.3BLoans
$4.0BDeposits
$1.0BEquity
Loan mix
0%RE $0.0B0%C&I $0.0B100%Consumer $6.4BQ2 2025Q2 2026
Deposit mix
99%Interest-bearing $4.0B1%Noninterest $0.0BQ2 2025Q2 2026

NIM

24.00%Q2 ’2423.37%Q2 ’2522.98%Q2 ’260%0%

Non-interest income vs. expense

9.29%Q2 ’2410.78%Q2 ’2510.76%Q2 ’26+20%0%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.6% share · #16 of 88 inst. · $4.0B of $685.1B

Executive Summary

  • Earnings: ROA of 4.62%, down 4 bps year over year; NIM at 19.32%.
  • Asset quality: problem loans at 3.24% of loans (-31 bps YoY), with net charge-offs at 6.29%.
  • Capital: tier 1 leverage ratio of 13.38%, down 55 bps from a year ago.
  • Funding: loans stand at 157.73% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

4.62%-4 bps YoY

Net Interest Margin (quarter, annualized)

19.32%-6 bps YoY

Efficiency Ratio (quarter, annualized)

50.77%+4 bps YoY

Tier 1 Leverage Ratio

13.38%-55 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets4.66%6.74%3.27%5.25%4.62%-4 bps
Return on Equity31.61%48.04%23.89%38.74%33.74%+214 bps
Net Interest Margin19.38%20.36%20.67%19.87%19.32%-6 bps
Efficiency Ratio50.73%49.27%51.62%48.84%50.77%+4 bps
Non-Interest Burden8.91%9.08%10.01%8.84%8.88%-2 bps
Growth
Asset Growth (YoY)-4.53%-2.83%-4.13%1.35%-0.92%+361 bps
Loan Growth (YoY)-5.28%-3.64%-3.31%-2.55%-1.37%+391 bps
Deposit Growth (YoY)-3.56%13.10%14.82%22.85%17.74%+2,131 bps
Asset Quality
Nonperforming Loans / Loans3.55%3.74%3.57%3.47%3.24%-31 bps
Net Charge-Offs / Loans7.22%6.87%6.65%6.74%6.29%-93 bps
Allowance / Loans12.09%12.00%11.40%11.63%11.56%-54 bps
Allowance Coverage of NPLs3.4x3.2x3.2x3.3x3.6x+0.2x
Capital
Tier 1 Leverage Ratio13.93%13.48%14.07%13.54%13.38%-55 bps
Total Risk-Based Capital17.19%16.76%16.48%16.49%16.90%-29 bps
Equity / Assets14.22%13.83%13.53%13.57%13.82%-40 bps
Liquidity & Funding
Loans / Deposits188.30%175.21%180.48%161.22%157.73%-3,057 bps
Liquid Assets / Assets13.95%13.88%13.80%14.60%14.16%+21 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a