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Comenity Capital Bank

IDRSSD: 3224580
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
74
/ 100
StableAs of 2024-Q1QoQ +1

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 #3224580 2024-Q1 Vital Signs Score: 74/100 — 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
    Net charge-offs elevated
    Asset Quality — NCO YTD 9.20% of loans.
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 5.16%.
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.17% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↑ +1 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ 0
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +6
73
Sub-score

Liquidity is stable: brokered 19.0%, loans/deposits 98.4%, cash 18.9% of assets.

Cash / Assets
18.87%
Loans / Deposits
98.36%
Brokered %
18.99%
No watch items at this period.

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 17.51%, CET1 17.51%, leverage 15.24%.

Tier 1 RBC
17.51%
CET1
17.51%
Leverage
15.24%
No watch items at this period.

Asset Quality

RiskQoQ 0
18
Sub-score

Asset quality is weak: Adjusted NPL 5.17%, Texas Ratio 14.7%, NCO YTD 9.20%.

Adjusted NPL
5.17%
Govt-guarantees stripped
Texas Ratio
14.7%
NCO YTD
9.20%
30-89 PD
4.07%
Band 0.3% / 3.0%
90+ PD
5.16%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.17% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 5.16%.
  • riskNet charge-offs elevated — NCO YTD 9.20% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 12.63% of loans, coverage 279.6%, true coverage 209.2%.

ALLL / Loans
12.63%
Coverage
279.6%
True Loss Coverage
209.2%
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: 2026-05-14 03:58:55 UTC