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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Delaware, the state note

Comenity Bank

Wilmington, Delaware · $7.37B in assets · beside the 11 other the Mid-Atlantic banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

157.7%
Loans / deposits
12th of 12
13.8%
Equity / assets
1st of 10
3.24%
NPA / loans
12th of 12

Comenity Bank is the eighth largest of the 12 the Mid-Atlantic banks nearest its size between $3B and $10B, with $7.37B in assets at 30 June 2026. Loans are 157.7% of deposits, the highest in the cohort against a median of 92.5%, and equity is 13.8% of assets, the highest in the cohort. Loans grew -1.4% in the year, 10th of 12, and deposits grew 17.7%; the cohort's median loan growth is +3.9%.

Noncurrent loans are 3.24% of the book, the highest in the cohort against a median of 0.82%; 3.32% is 30 to 89 days past due, and the allowance covers them 3.6 times. Net charge-offs are 6.54% of loans, the highest in the cohort. Commercial real estate is 0.0% of loans, 2nd of 12 against a median of 34.9%, and 0% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 4.94%, the highest in the cohort against a median of 1.11%, on an efficiency ratio of 49.8%, the lowest in the cohort. Five years ago it was 7.88%. The question is where the nonperforming loans sit by category, and whether the allowance and the capital behind them hold under a loss path.

Loans as a share of depositsMid-Atlantic banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 92.5% Bo Bank of India 67.9% RS Ridgewood Savings Bank 81.1% FB Forbright Bank 83.3% MP Mashreqbank PSC 86.4% FS Five Star Bank 89.6% CB CNB Bank 90.6% MP Mid Penn Bank 94.4% PP Peapack Private Bank & Trust 94.5% TB Trustco Bank 94.6% UB Univest Bank & Trust Co. 100.2% KB Kearny Bank 102.5% CB Comenity Bank 157.7%
Loans, year over yearMid-Atlantic banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.9% CB CNB Bank +37.8% FB Forbright Bank +25.6% MP Mid Penn Bank +16.4% PP Peapack Private Bank & Trust +14.7% FS Five Star Bank +4.8% TB Trustco Bank +4.3% UB Univest Bank & Trust Co. +3.5% KB Kearny Bank +1.1% RS Ridgewood Savings Bank +1.0% CB Comenity Bank -1.4% MP Mashreqbank PSC -12.5% Bo Bank of India -18.6%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Comenity BankRankCohort median
Total CRE against capital, the 300% screen0%1st of 10267%
Construction against capital, the 100% screen0%2nd of 1036%
Construction and land development, share of loans0.0%3rd of 122.7%
Non-owner-occupied nonfarm nonresidential, share of loans0.0%1st of 1017.7%
Total CRE, the guidance definition, share of loans0.0%2nd of 1234.9%
CRE growth over 36 months, the third prongno record+18.1%
Commercial real estate against capital, the 300% screenMid-Atlantic banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 267% CB Comenity Bank 0% TB Trustco Bank 28% FB Forbright Bank 149% RS Ridgewood Savings Bank 246% UB Univest Bank & Trust Co. 264% CB CNB Bank 269% FS Five Star Bank 294% MP Mid Penn Bank 328% PP Peapack Private Bank & Trust 406% KB Kearny Bank 514%
CRE growth over 36 months, the guidance's third prongMid-Atlantic banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median +18.1% MP Mashreqbank PSC -60.6% KB Kearny Bank -4.2% UB Univest Bank & Trust Co. +5.1% PP Peapack Private Bank & Trust +6.9% RS Ridgewood Savings Bank +10.4% FS Five Star Bank +25.8% MP Mid Penn Bank +31.8% TB Trustco Bank +44.7% CB CNB Bank +46.3% FB Forbright Bank +66.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Forbright Bank$8.48B0.6%72.9%1.45%0.22%0.9%83.3%12.2%
CNB Bank$8.41B1.4%57.5%0.84%0.05%1.0%90.6%10.9%
Univest Bank & Trust Co.$8.17B1.3%60.2%0.62%0.09%1.3%100.2%11.3%
Peapack Private Bank & Trust$7.96B0.8%64.2%1.07%0.52%1.0%94.5%8.8%
Kearny Bank$7.67B0.5%71.9%0.81%0.02%0.8%102.5%9.4%
Ridgewood Savings Bank$7.55B0.7%67.3%1.85%0.18%0.7%81.1%12.8%
Bank of India$7.42Bno recordno record0.00%no recordno record67.9%no record
Comenity Bank$7.37B4.9%49.8%3.24%6.54%11.6%157.7%13.8%
Mid Penn Bank$7.04B1.2%59.2%0.51%0.04%0.7%94.4%12.4%
Mashreqbank PSC$6.93Bno recordno record0.00%no recordno record86.4%no record
Trustco Bank$6.52B1.0%54.8%0.40%0.00%1.0%94.6%8.5%
Five Star Bank$6.29B1.4%52.1%0.82%0.27%1.0%89.6%10.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Comenity BankCohort median
20212026Change20212026Change
Loans$7.68B$6.32B-18%$3.77B$5.76B+53%
Deposits$3.27B$4.01B+22%$4.64B$5.85B+26%
NPA / loans2.04%3.24%+1.20 pts0.60%0.82%+0.22 pts
Efficiency54.9%49.8%-5.1 pts56.9%59.7%+2.8 pts
ROA7.88%4.94%-2.93 pts1.21%1.11%-0.10 pts

This read was prepared for Comenity Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Comenity Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Mid-Atlantic banks $3B to $10B
Institution savings.breadfinancial.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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