Visbanking Logo
Skip to main content

Comenity Capital Bank

IDRSSD: 3224580
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q4QoQ 0

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

Quarterly Headline

2025-Q4

Bank #3224580 2025-Q4 Vital Signs Score: 76/100 — 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 7.93% of loans.
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 4.19%.
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.19% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ 0
79
Sub-score

Liquidity is stable: brokered 10.3%, loans/deposits 98.9%, cash 17.3% of assets.

Cash / Assets
17.28%
Loans / Deposits
98.94%
Brokered %
10.32%
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 14.08%, CET1 13.46%, leverage 13.10%.

Tier 1 RBC
14.08%
CET1
13.46%
Leverage
13.10%
No watch items at this period.

Asset Quality

RiskQoQ 0
21
Sub-score

Asset quality is weak: Adjusted NPL 4.19%, Texas Ratio 14.3%, NCO YTD 7.93%.

Adjusted NPL
4.19%
Govt-guarantees stripped
Texas Ratio
14.3%
NCO YTD
7.93%
30-89 PD
3.99%
Band 0.3% / 3.0%
90+ PD
4.19%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.19% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 4.19%.
  • riskNet charge-offs elevated — NCO YTD 7.93% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 11.45% of loans, coverage 308.8%, true coverage 226.3%.

ALLL / Loans
11.45%
Coverage
308.8%
True Loss Coverage
226.3%
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