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Comenity Bank

IDRSSD: 1391778
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2023-Q4QoQ +10

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #1391778 2023-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Risk
Reserves:Strong

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 95.4% of deposits (threshold 30%).
  2. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 154.5% (threshold 100%).
  3. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 7.19% of loans.

What changed this quarter

Compared to Q3 2023:
↑ +10 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +20
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -5
60
Sub-score

Liquidity is stable: brokered 95.4%, loans/deposits 154.5%, cash 14.9% of assets.

Cash / Assets
14.89%
Loans / Deposits
154.54%
Brokered %
95.41%

Watch Items

  • riskBrokered deposits above 30% — Brokered 95.4% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 154.5% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 19.72%, CET1 19.72%, leverage 18.18%.

Tier 1 RBC
19.72%
CET1
19.72%
Leverage
18.18%
No watch items at this period.

Asset Quality

RiskQoQ +20
20
Sub-score

Asset quality is weak: Adjusted NPL 4.65%, Texas Ratio 12.7%, NCO YTD 7.19%.

Adjusted NPL
4.65%
Govt-guarantees stripped
Texas Ratio
12.7%
NCO YTD
7.19%
30-89 PD
4.18%
Band 0.3% / 3.0%
90+ PD
4.65%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.65% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 4.65%.
  • riskNet charge-offs elevated — NCO YTD 7.19% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 12.05% of loans, coverage 294.7%, true coverage 214.1%.

ALLL / Loans
12.05%
Coverage
294.7%
True Loss Coverage
214.1%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 06:52:05 UTC