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COMENITY BANK

WILMINGTON, DE · Supervised by FDIC

Est. 1989FDIC #27,499RSSD: FDIC-27499

Outstanding Same

Current rating · Exam: March 2024

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Contact & Details

FDIC BankFind

Website

savings.breadfinancial.com

Address

1 Righter Pkwy, WILMINGTON, DE

County

New Castle County

Established

May 1, 1989

Total Assets

$7.8B

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 1, 2024

Exam Type

Wholesale/Limited Purpose

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Mar 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$7.8B

Total Deposits

$4.0B

Net Loans

$5.6B

Net Income

$102M

ROA

5.25%

Above avg for Community banks. Peer avg: 0.90%

ROE

38.74%

Risk-Based Capital

16.49%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA5.25%Peer avg: 0.90%▲ Above avg

Risk-Based Capital16.49%Peer avg: 12.91%▲ Above avg

Complaints / $B5756.00Peer avg: 902.00▲ More than avg

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Consumer Complaints

CFPB · through Jun 2026

Last 12 Months

10,774

Since 2018

44,705

all complaints on record

Monetary Relief

43.4%

% of complaints where company provided monetary relief

Untimely Response

% exceeding CFPB's 15-day response window

Complaints by Product Type

Credit card or prepaid card

43%

18,949

Credit reporting or other personal consumer reports

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Mar 2024	Outstanding	Wholesale/Limited Purpose
Jan 2021	Outstanding	Wholesale/Limited Purpose
Aug 2018	Outstanding	Wholesale/Limited Purpose

2 previous ratings locked — back to 2014

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$3.4B

1-Year Change

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Other banks in Delaware

PNC BANK, NATIONAL ASSOCIATION$567.9B PEOPLES HERITAGE SAVINGS BANK$345.6B SANTANDER BANK, NATIONAL ASSOCIATION$106.1B BARCLAYS BANK DELAWARE$46.6B WILMINGTON SAVINGS FUND SOCIETY, FSB$22.0B WILMINGTON TRUST FSB$760M

All banks in Delaware →

Month	Complaints	With Monetary Relief
August 2025	705	322
September 2025	838	360
October 2025	849	358
November 2025	891	360
December 2025	1180	416
January 2026	1072	464
February 2026	889	355
March 2026	1069	410
April 2026	1015	419
May 2026	900	332
June 2026	530	97