BlastPoint's Banking Scorecard

Comenity Bank

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

Wilmington, DE

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 1 in DE.
Deposits +17.7% year over year ($4.0B on the books).
Delinquency rate 3.66%.
Return on assets 4.96%.
Efficiency ratio 49.79% vs a 59.73% peer average.
Loan-to-deposit ratio 139.51% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $1B-$10B leaderboard (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 2.2% in tier
+ Profitability Leader: Top 38.3% in tier
+ Net Interest Margin 18.06% above tier average
+ Efficiency Ratio 9.94% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 47.6% in tier
- Delinquency Rate 2.80% above tier average
- Non-Interest-Bearing Deposit Share 20.40% below tier average
- Nonperforming Asset Ratio 2.11% above tier average

Get updates when Comenity Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Total Assets ?	$7.4B -0.9% YoY -5.1% QoQ	+$4.6B	$2.8B -0.6% YoY	$72.9B +3.7% YoY	$6.3B +7.7% YoY	Top 5.9% in tier
Total Loans ?	$5.6B -0.8% YoY -0.8% QoQ	+$3.6B	$2.0B -0.3% YoY	$40.0B +6.7% YoY	$3.2B +9.4% YoY	Top 4.4% in tier
Total Deposits ?	$4.0B +17.7% YoY +1.3% QoQ	+$1.7B	$2.3B -0.5% YoY	$56.7B +1.8% YoY	$4.9B +7.3% YoY	Top 14.6% in tier
Return on Assets ?	4.96% +1.1% YoY -5.5% QoQ	+3.57%	1.39% +17.0% YoY	2.36% -9.5% YoY	1.30% +12.1% YoY	Top 0.9% in tier
Net Interest Margin ?	21.93% +1.9% YoY -1.1% QoQ	+18.06%	3.87% +6.2% YoY	5.72% +0.9% YoY	3.95% +4.9% YoY	Top 0.2% in tier
Efficiency Ratio ?	49.79% +2.2% YoY +1.9% QoQ	-9.94%	59.73% -12.6% YoY	53.04% -0.1% YoY	70.05% +2.5% YoY	78%
Delinquency Rate ?	3.66% -9.4% YoY -6.8% QoQ	+2.80%	0.87% +11.7% YoY	1.76% +6.5% YoY	0.98% +16.3% YoY	Bottom 2.8% in tier
Loan-to-Deposit Ratio ?	139.51% -15.7% YoY -2.1% QoQ	+54.47%	85.04% -0.1% YoY	80.57% -7.4% YoY	79.03% +2.3% YoY	Bottom 0.7% in tier
Non-Interest-Bearing Deposit Share ?	0.87% -26.2% YoY -10.3% QoQ	-20.40%	21.27% -1.5% YoY	23.77% -3.1% YoY	21.98% -0.6% YoY	Bottom 1.4% in tier
Nonperforming Asset Ratio ?	2.78% -9.2% YoY -2.6% QoQ	+2.11%	0.67% +11.7% YoY	0.52% +1.1% YoY	0.69% +15.8% YoY	Bottom 3.1% in tier
Tier 1 Capital Ratio ?	15.53% -1.8% YoY +2.7% QoQ	+0.69%	14.84% -0.4% YoY	57.87% +0.5% YoY	17.09% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.94% -2.4% YoY +120.0% QoQ	+0.41%	0.53% +2.5% YoY	2.79% +1.3% YoY	0.66% +5.2% YoY	Top 7.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Noninterest-Bearing	0.9% -0.3pp YoY -0.1pp QoQ	-20.5pp	21.4%	27.2%	22.2%	1%
Brokered Deposits	99.1% +0.3pp YoY +0.1pp QoQ	+89.6pp	9.5%	18.6%	8.5%	100%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
C&I	n/a	n/a	14.0%	8.9%	12.5%	n/a
CRE	n/a	n/a	50.0%	35.2%	41.4%	n/a
1-4 Family	n/a	n/a	26.4%	36.6%	31.3%	n/a
Consumer	113.1% -0.7pp YoY -0.1pp QoQ	+108.4pp	4.7%	37.2%	5.0%	100%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
CET1 Ratio	15.5% -0.3pp YoY +0.4pp QoQ	-0.1pp	15.6%	52.4%	19.7%	74%
Leverage Ratio	13.4% -0.6pp YoY -0.2pp QoQ	+2.1pp	11.3%	28.0%	12.6%	88%
Total Capital Ratio	16.9% -0.3pp YoY +0.4pp QoQ	+0.2pp	16.7%	53.4%	20.8%	76%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Full-Time Employees	564 -2 (-0.4%) YoY -1 (-0.2%) QoQ	+250	313	6,324	482	86%
Assets per Employee ($)	$13.1M -0.6% YoY -4.9% QoQ	+$2.6M	$10.5M	$17.7M	$8.8M	84%
Branch Count	1 0 YoY 0 QoQ	-19	20	249	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Past Due 90+ Days	3.7% -0.4pp YoY -0.3pp QoQ	+3.5pp	0.2%	0.9%	0.4%	99%
Nonaccrual	n/a	n/a	0.8%	1.3%	1.0%	n/a
Allowance Coverage	3.57x +4.8% YoY +6.5% QoQ	-15.14x	18.71x	2.44x	20.23x	69%
Net Charge-off Rate (YTD)	6.4% -0.9pp YoY -0.2pp QoQ	+6.1pp	0.3%	1.5%	0.2%	99%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
ROE	36.4% +2.2pp YoY -2.4pp QoQ	+23.8pp	12.6%	13.0%	11.6%	99%
Cost of Funds (YTD)	4.1% -0.3pp YoY 0.0pp QoQ	+2.2pp	1.9%	1.7%	1.7%	100%
Net Income ($, YTD)	$189.3M -0.2% YoY — QoQ	+$170.1M	$19.2M	$432.8M	$40.4M	100%

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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

#6 of 222 • Top 2.2% 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: 0.94%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 4.96%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Profitability Leader

growth

#86 of 222 • Top 38.3% in tier

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

Why this signature

Return on Assets: 4.96%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Liquidity Strain

risk

#173 of 361 • Bottom 47.6% 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: 139.51%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 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 885 peers in $1B-$10B

Top Strengths (8 metrics)

Net Interest Margin

profitability

Value: 21.93%

Peer Median: 3.87%

#3 of 885 Top 0.2% in $1B-$10B

Return on Assets

profitability

Value: 4.96%

Peer Median: 1.39%

#9 of 885 Top 0.9% in $1B-$10B

Total Loans

size

Value: $5.59B

Peer Median: $1.96B

#40 of 885 Top 4.4% in $1B-$10B

Total Assets

size

Value: $7.37B

Peer Median: $2.79B

#53 of 885 Top 5.9% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.94%

Peer Median: 0.53%

#64 of 885 Top 7.1% in $1B-$10B

130

Total Deposits

size

Value: $4.01B

Peer Median: $2.32B

#130 of 885 Top 14.6% in $1B-$10B

200

Efficiency Ratio

profitability

Value: 49.79%

Peer Median: 59.73%

#200 of 885 Top 22.5% in $1B-$10B

201

Tier 1 Capital Ratio

capital

Value: 15.53%

Peer Median: 14.84%

#201 of 885 Top 22.6% in $1B-$10B

Top Weaknesses (4 metrics)

880

Loan-to-Deposit Ratio

liquidity

Value: 139.51%

Peer Median: 85.04%

#880 of 885 Bottom 0.7% in $1B-$10B

874

Non-Interest-Bearing Deposit Share

funding

Value: 0.87%

Peer Median: 21.27%

#874 of 885 Bottom 1.4% in $1B-$10B

858

Delinquency Rate

credit_quality

Value: 3.66%

Peer Median: 0.87%

#858 of 882 Bottom 2.8% in $1B-$10B

859

Nonperforming Asset Ratio

credit_quality

Value: 2.78%

Peer Median: 0.67%

#859 of 885 Bottom 3.1% in $1B-$10B