# COMENITY BANK
WILMINGTON, DE · FDIC certificate 27499 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $7.37B | |
| Deposits | $4.01B | |
| Loans and leases | $6.32B | |
| Total equity | $1.02B | |
| Loans / deposits | 139.51% (p99 of band) | 87.10% |
| Liquid assets / assets | 16.32% (p29 of band) | |
| Uninsured deposits / deposits | 1.04% (p1 of band) | 30.76% |
| Brokered deposits | 53.89% | |
| Wholesale funding | 82.43% (p100 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.38% (p87 of band) | 10.50% |
| Unrealized securities loss / equity | -2.38% (p78 of band) | -7.75% |
| AOCI / equity | -0.11% (p64 of band) | |
| ROA (annualized) | 4.96% (p99 of band) | 1.26% |
| Net interest margin | 21.93% (p100 of band) | 3.70% |
| Efficiency ratio | 49.79% (p23 of band) | |
| Noncurrent loans | 3.24% (p96 of band) | 0.51% |
| Net charge-offs (annualized) | 5.42% (p100 of band) | |
| Reserve coverage of noncurrent | 356.55% | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 17.7% | |
| Employees | 564 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10%, charge-offs p90 |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 5 |  |  |
| 2012-06 | 5 |  |  |
| 2012-09 | 6 | capital falling |  |
| 2012-12 | 6 |  |  |
| 2013-03 | 6 |  |  |
| 2013-06 | 5 |  | capital falling |
| 2013-09 | 5 |  |  |
| 2013-12 | 5 |  |  |
| 2014-03 | 5 |  |  |
| 2014-06 | 5 |  |  |
| 2014-09 | 6 | noncurrent p90 |  |
| 2014-12 | 6 |  |  |
| 2015-03 | 7 | capital falling |  |
| 2015-06 | 6 |  | capital falling |
| 2015-09 | 6 |  |  |
| 2015-12 | 6 |  |  |
| 2016-03 | 7 | capital falling |  |
| 2016-06 | 6 |  | capital falling |
| 2016-09 | 6 |  |  |
| 2016-12 | 5 |  | liquid assets <10% |
| 2017-03 | 5 |  |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 6 | capital falling |  |
| 2018-06 | 5 |  | capital falling |
| 2018-09 | 5 |  |  |
| 2018-12 | 6 | assets shrinking |  |
| 2019-03 | 6 |  |  |
| 2019-06 | 5 |  | assets shrinking |
| 2019-09 | 5 |  |  |
| 2019-12 | 6 | capital falling |  |
| 2020-03 | 6 | assets shrinking | capital falling |
| 2020-06 | 7 | deposits shrinking |  |
| 2020-09 | 7 |  |  |
| 2020-12 | 7 |  |  |
| 2021-03 | 7 |  |  |
| 2021-06 | 7 |  |  |
| 2021-09 | 7 |  |  |
| 2021-12 | 5 |  | assets shrinking, deposits shrinking |
| 2022-03 | 6 | capital falling |  |
| 2022-06 | 6 |  |  |
| 2022-09 | 6 |  |  |
| 2022-12 | 6 | assets shrinking | capital falling |
| 2023-03 | 6 |  |  |
| 2023-06 | 6 |  |  |
| 2023-09 | 6 |  |  |
| 2023-12 | 6 | deposits shrinking | assets shrinking |
| 2024-03 | 8 | assets shrinking, uninsured deposits leaving |  |
| 2024-06 | 9 | capital falling |  |
| 2024-09 | 9 |  |  |
| 2024-12 | 8 |  | capital falling |
| 2025-03 | 7 |  | uninsured deposits leaving |
| 2025-06 | 7 | capital falling, uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2025-09 | 6 |  | uninsured deposits leaving |
| 2025-12 | 5 |  | capital falling |
| 2026-03 | 5 |  |  |
| 2026-06 | 6 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-14 [What Is Comenity Bank, and Are Its Credit Cards Right for You? - NerdWallet](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOYTZVY21oc0VDa3NYVEZxbXBWZHBTZ0M0Q25rVm01eEJ4SnJBN2VwWi1oeVlYeGRUNFdtdzlLeW9Ib211SFgyTHdZcHlFUWRfU2V2WXNMbUxpTDQtUWVpWEoxb3h3NmZHX1dzZXlLYl9EbzcxZlF4eXZ2YVVfbWNvc0tMdmc5VmhMaXJRMXgtRzlHQ0ZHNnB0LWdCdzZIM0M3NmZ5ZjMzRC1zdw?oc=5) · NerdWallet
- 2026-08-10 [Victoria Secrets Comenity - Oma Erto](https://news.google.com/rss/articles/CBMiY0FVX3lxTE02OXZpVFpxcHkyTk1iVi0zVmF5dnhjMzZkbG12Y2UtaU1DR2FuX184eVpNT0g2TGpPQk9pcF9XSU5MMmxoRnFiMnZnQ09jck5PNmtMaTIyWi0yNFlpSzAyQmJDYw?oc=5) · Oma Erto
- 2025-05-15 [Guide to Comenity Bank (Bread Financial) credit cards - Bankrate](https://news.google.com/rss/articles/CBMikwFBVV95cUxQcTdGM2d2eFlCeGotbVlUbWpmUS1sQkVEbERaYWNqYm1YNnlmdVdWbnkyUHBrSjhNcU9QZ3c0bkh4OV95cmRTUU9ncGF0eXFlb1JhdGJEbHEybWg0OGZubk5xRklEdmt0VDlXZVhYQnhFMHJUNjRmeGQwQXBodERrMDlJcV9DMC1lbjJBdnA0WUUzcXM?oc=5) · Bankrate
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- 2016-03-19 [Marion County court records, Feb. 29-March 18 - Statesman Journal](https://news.google.com/rss/articles/CBMipAFBVV95cUxPMHBqRlROaGJKT0x0SWJtV2JlNUdOY3FCNXBPT0NaMGFtS1V4Ym1YTEFpVHZpZldlU0xJc3ZuX1JWSGlidXQzaVQ3UmFBd3RMUzdEZkZtOEE1cENOWVlsSUJ5TmZfczZBaVU4dHdES1ZDVVE1RjVXV25ESWV5Tnd2ZlhkM09HMmhMQXJ2X1VMRmxwX3B3UkVEY2EwNVlnTzBPeDhVZA?oc=5) · Statesman Journal
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## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27499 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "27499", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide