Comenity Bank
Wilmington, DE
IDRSSD: 1391778
Total Assets
$7.76B
Latest filing
Total Deposits
$3.74B
Latest filing
Net Interest Margin
22.37%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
031101282WILMINGTON, DE
Key People
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Locations
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Main Office
Comenity Bank
1 Righter Pkwy
Wilmington, DE 19803
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/01/1989FDIC Certificate 40232
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Comenity Bank (Main) | 1 Righter Pkwy | Wilmington, DE | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/01/1989 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 19803 |
| State and County Number | 10003 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 03 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD |
Operational Info
| Number of Employees | 571 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 09/30/2022 |
| Date of Deposit Insurance | 05/01/1989 |
| Primary Insurance Agency | DIF |
| Website | savings.breadfinancial.com |
| Data Updated | 01/30/2026 |
| CERT | 27499 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $7.76B |
| Total Deposits | $3.74B |
| Total Liabilities | $6.71B |
| Total Equity Capital | $1.05B |
| Net Income | $61.55M |
| Net Loans and Leases | $5.99B |
| Assets Per Employee ($Millions) | $13.86M |
| Bank Premises and Fixed Assets | $0 |
| Cash and Balances due from Depository Institutions | $1.15B |
| Deposits Held in Domestic Offices | $3.74B |
Key Performance Ratios
| Return on Assets (ROA) | 3.27% |
| Return on Equity (ROE) | 23.89% |
| Net Interest Margin | 22.37% |
| Efficiency Ratio | 51.62% |
| Tier 1 Risk-Based Capital Ratio | 15.11% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 6.42% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.535% |
| Earning Assets to total Assets | 92.14% |
Income and Expense
| Total Interest Income | $458.69M |
| Total Noninterest Income | $25.59M |
| Total Interest Expense | $71.59M |
| Total Noninterest Expense | $213.09M |
| Net Interest Income | $387.11M |
| Pre-tax Net Operating Income | $78.72M |
| Provision for Credit Losses | $120.89M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $2.71B |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $258.41M |
| Total Liabilities and Capital | $7.76B |
Securities
| Securities | $93.49M |
| Available-for-sale debt securities | $78.01M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Comenity Bank?
$7.76B as of the latest filing.
How much are Comenity Bank's total deposits?
$3.74B in total deposits.
Where is Comenity Bank located?
Wilmington, DE.
What is the Net Interest Margin?
22.37%.
How many domestic offices does it operate?
1.
When was it established?
05/01/1989.
What is the Return on Assets (ROA)?
3.27%.
How much are total loans and leases?
$5.99B (latest filing).
What is the total interest income (latest filing)?
$458.69M.