BlastPoint's Banking Scorecard

Comenity Bank

$1B-$10B Specialty: Credit Card DE FDIC cert 27499

Wilmington, DE

884 banks in the $1B-$10B peer group nationally 1 in DE

Comenity Bank has 4 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 8.1% in tier
+ Profitability Leader: Top 34.4% in tier
+ Net Interest Margin 18.36% above tier average
+ Efficiency Ratio 12.22% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 35.9% in tier
- Delinquency Rate 3.04% above tier average
- Non-Interest-Bearing Deposit Share 20.32% below tier average
- Nonperforming Asset Ratio 2.18% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Total Assets ?	$7.8B +1.3% YoY +0.1% QoQ	+$5.0B	$2.8B -0.1% YoY	$70.8B +0.0% YoY	$6.2B +9.1% YoY	Top 5.0% in tier
Total Loans ?	$5.6B -1.8% YoY -5.8% QoQ	+$3.7B	$2.0B +0.6% YoY	$38.8B +4.8% YoY	$3.2B +10.8% YoY	Top 4.8% in tier
Total Deposits ?	$4.0B +22.9% YoY +5.7% QoQ	+$1.6B	$2.3B -0.3% YoY	$56.2B +0.9% YoY	$4.8B +8.2% YoY	85%
Return on Assets ?	5.25% +1.5% YoY +7.0% QoQ	+3.88%	1.37% +19.6% YoY	2.25% -5.9% YoY	1.23% +13.4% YoY	Top 0.7% in tier
Net Interest Margin ?	22.18% +2.7% YoY +1.5% QoQ	+18.36%	3.82% +6.9% YoY	5.71% +1.4% YoY	3.89% +5.7% YoY	Top 0.2% in tier
Efficiency Ratio ?	48.84% +4.3% YoY -1.5% QoQ	-12.22%	61.06% -4.6% YoY	53.58% -1.6% YoY	66.95% -4.1% YoY	81%
Delinquency Rate ?	3.93% -9.2% YoY -2.6% QoQ	+3.04%	0.89% +14.1% YoY	1.76% +0.3% YoY	0.95% +18.8% YoY	Bottom 2.0% in tier
Loan-to-Deposit Ratio ?	142.47% -20.1% YoY -10.9% QoQ	+58.26%	84.20% +0.3% YoY	82.81% -6.4% YoY	76.70% +0.9% YoY	Bottom 0.7% in tier
Non-Interest-Bearing Deposit Share ?	0.97% -22.3% YoY -4.1% QoQ	-20.32%	21.29% -2.5% YoY	23.71% -4.5% YoY	22.01% -1.2% YoY	Bottom 1.6% in tier
Nonperforming Asset Ratio ?	2.85% -12.0% YoY -8.3% QoQ	+2.18%	0.67% +15.6% YoY	0.52% -2.0% YoY	0.67% +19.3% YoY	Bottom 3.1% in tier
Tier 1 Capital Ratio ?	15.12% -11.0% YoY +0.1% QoQ	-0.04%	15.16% +2.0% YoY	58.48% +5.2% YoY	17.06% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.43% -8.2% YoY -75.0% QoQ	+0.17%	0.26% +1.6% YoY	1.31% -6.4% YoY	0.32% +4.1% YoY	Top 7.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth

#19 of 221 • Top 8.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.43%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 5.25%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Profitability Leader

growth

#77 of 221 • Top 34.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 5.25%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Strain

risk

#121 of 334 • Bottom 35.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 142.47%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (7 metrics)

Net Interest Margin

profitability

Value: 22.18%

Peer Median: 3.82%

#3 of 884 Top 0.2% in $1B-$10B

Return on Assets

profitability

Value: 5.25%

Peer Median: 1.37%

#7 of 884 Top 0.7% in $1B-$10B

Total Loans

size

Value: $5.64B

Peer Median: $1.96B

#43 of 884 Top 4.8% in $1B-$10B

Total Assets

size

Value: $7.77B

Peer Median: $2.82B

#45 of 884 Top 5.0% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.43%

Peer Median: 0.26%

#68 of 884 Top 7.6% in $1B-$10B

135

Total Deposits

size

Value: $3.96B

Peer Median: $2.34B

#135 of 884 Top 15.2% in $1B-$10B

168

Efficiency Ratio

profitability

Value: 48.84%

Peer Median: 61.06%

#168 of 884 Top 18.9% in $1B-$10B

Top Weaknesses (4 metrics)

879

Loan-to-Deposit Ratio

liquidity

Value: 142.47%

Peer Median: 84.20%

#879 of 884 Bottom 0.7% in $1B-$10B

871

Non-Interest-Bearing Deposit Share

funding

Value: 0.97%

Peer Median: 21.29%

#871 of 884 Bottom 1.6% in $1B-$10B

863

Delinquency Rate

credit_quality

Value: 3.93%

Peer Median: 0.89%

#863 of 880 Bottom 2.0% in $1B-$10B

858

Nonperforming Asset Ratio

credit_quality

Value: 2.85%

Peer Median: 0.67%

#858 of 884 Bottom 3.1% in $1B-$10B