BlastPoint's Banking Scorecard
Comenity Bank
Mid-Market
Specialty: Credit Card
DE
FDIC cert 27499
Wilmington, DE
201
banks in Mid-Market tier nationally
2 in DE
View Mid-Market leaderboard (DE) →
Comenity Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 4% in Mid-Market
- + Revenue Diversifier: Top 10% in Mid-Market
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 38% in Mid-Market
- - Delinquency Rate 3.35% above tier
- - Non-Interest-Bearing Deposit Share 19.63% below tier
- - Nonperforming Asset Ratio 2.61% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.8B
-4.1% YoY
+6.2% QoQ
|
-$2.7B |
$10.5B
+2.9% YoY
|
$70.8B
-0.9% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$6.0B
-2.6% YoY
+7.2% QoQ
|
-$1.1B |
$7.1B
+4.5% YoY
|
$38.1B
+1.1% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$3.7B
+14.8% YoY
+3.3% QoQ
|
-$4.8B |
$8.5B
+3.0% YoY
|
$56.7B
+1.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
4.91%
+7.1% YoY
-10.6% QoQ
|
+3.74% |
1.16%
+9.4% YoY
|
2.49%
+4.3% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
21.85%
+0.9% YoY
-0.1% QoQ
|
+18.46% |
3.40%
+7.9% YoY
|
4.25%
-12.2% YoY
|
3.75%
+7.1% YoY
|
- |
| Efficiency Ratio ? |
49.59%
+9.5% YoY
+1.4% QoQ
|
-7.02% |
56.60%
-3.2% YoY
|
56.99%
-1.1% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
4.03%
-8.2% YoY
-5.0% QoQ
|
+3.35% |
0.68%
+12.0% YoY
|
1.71%
-0.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
159.91%
-15.1% YoY
+3.7% QoQ
|
+74.44% |
85.47%
+1.1% YoY
|
76.04%
+10.2% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
1.01%
-16.7% YoY
-6.8% QoQ
|
-19.63% |
20.64%
-0.3% YoY
|
24.33%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
3.11%
-6.7% YoY
-4.1% QoQ
|
+2.61% |
0.50%
+7.3% YoY
|
0.35%
-1.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
15.11%
-8.6% YoY
-1.8% QoQ
|
+1.56% |
13.55%
+1.8% YoY
|
13.96%
+2.6% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
1.71%
-5.6% YoY
+16.7% QoQ
|
+0.75% |
0.96%
+7.1% YoY
|
2.13%
+17.1% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#3 of 51 · Top 4% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
4.91%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#6 of 49 · Top 10% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.71%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
4.91%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Concerns (4)
Liquidity Strain
risk
#31 of 80 · Bottom 38% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
159.91%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
Delinquency Rate
metric
Bottom 1%
in Mid-Market
Why this stands out
Current:
4.03%
(Tier avg: 0.68%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Mid-Market
Why this stands out
Current:
1.01%
(Tier avg: 20.64%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Mid-Market
Why this stands out
Current:
3.11%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Return on Assets
Current: 4.91% · Tier avg: 1.16%
92
92th pctile
Non-Interest Income / Assets
Current: 1.71% · Tier avg: 0.96%
80
80th pctile
Tier 1 Capital Ratio
Current: 15.11% · Tier avg: 13.55%
78
78th pctile
Efficiency Ratio
Current: 49.59% · Tier avg: 56.60%
50
50th pctile
Total Loans
Current: $6.0B · Tier avg: $7.1B
43
43th pctile
Total Assets
Current: $7.8B · Tier avg: $10.5B
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 1.01% · Tier avg: 20.64%
2
2th pctile
Total Deposits
Current: $3.7B · Tier avg: $8.5B
0
0th pctile
Delinquency Rate
Current: 4.03% · Tier avg: 0.68%
0
0th pctile
Loan-to-Deposit Ratio
Current: 159.91% · Tier avg: 85.47%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.11% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.11% · Tier avg: 0.50%
0
0th pctile
Loan-to-Deposit Ratio
Current: 159.91% · Tier avg: 85.47%
0
0th pctile
Delinquency Rate
Current: 4.03% · Tier avg: 0.68%
2
2th pctile
Total Deposits
Current: $3.7B · Tier avg: $8.5B
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 1.01% · Tier avg: 20.64%
43
43th pctile
Total Assets
Current: $7.8B · Tier avg: $10.5B
50
50th pctile
Total Loans
Current: $6.0B · Tier avg: $7.1B
78
78th pctile
Efficiency Ratio
Current: 49.59% · Tier avg: 56.60%
80
80th pctile
Tier 1 Capital Ratio
Current: 15.11% · Tier avg: 13.55%
92
92th pctile
Non-Interest Income / Assets
Current: 1.71% · Tier avg: 0.96%
100
100th pctile
Return on Assets
Current: 4.91% · Tier avg: 1.16%