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Comenity Bank

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2024-Q1QoQ 0

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

Quarterly Headline

2024-Q1

Bank #1391778 2024-Q1 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 94.9% of deposits (threshold 30%).
  2. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 160.0% (threshold 100%).
  3. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 7.60% of loans.

What changed this quarter

Compared to Q4 2023:
↓ 0 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ 0
  • Reserves
    — —

The five pillars

Liquidity

Stable
60
Sub-score

Liquidity is stable: brokered 94.9%, loans/deposits 160.0%, cash 14.9% of assets.

Cash / Assets
14.91%
Loans / Deposits
159.95%
Brokered %
94.95%

Watch Items

  • riskBrokered deposits above 30% — Brokered 94.9% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 160.0% (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 18.23%, CET1 18.23%, leverage 16.07%.

Tier 1 RBC
18.23%
CET1
18.23%
Leverage
16.07%
No watch items at this period.

Asset Quality

RiskQoQ 0
19
Sub-score

Asset quality is weak: Adjusted NPL 4.73%, Texas Ratio 13.0%, NCO YTD 7.60%.

Adjusted NPL
4.73%
Govt-guarantees stripped
Texas Ratio
13.0%
NCO YTD
7.60%
30-89 PD
3.88%
Band 0.3% / 3.0%
90+ PD
4.73%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.73% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 4.73%.
  • riskNet charge-offs elevated — NCO YTD 7.60% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 12.72% of loans, coverage 308.4%, true coverage 218.0%.

ALLL / Loans
12.72%
Coverage
308.4%
True Loss Coverage
218.0%
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