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REGULATORY MATTERS AND CAPITAL ADEQUACY (Tables) | 9 Months Ended
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Sep. 30, 2025
Regulatory Capital Requirements under Banking Regulation [Abstract] |
Schedule of Actual Capital Ratios And Minimum Ratios | As of September 30, 2025 the actual capital ratios and minimum ratios for the Company, as well as each Bank, are as follows:
| Actual Ratio |  | Minimum Ratio for Capital Adequacy Purposes |  | Minimum Ratio to be Well Capitalized under Prompt Corrective Action Provisions
Total Company |  |  |  |  |
Common equity tier 1 capital ratio (1) | 14.0 | % |  | 4.5 | % |  | 6.5 | %
Tier 1 capital ratio (2) | 14.0 |  |  | 6.0 |  |  | 8.0 |
Total risk-based capital ratio (3) | 17.5 |  |  | 8.0 |  |  | 10.0 |
Tier 1 leverage capital ratio (4) | 12.4 |  |  | 4.0 |  |  | 5.0 |
Total risk-weighted assets (5) | $ | 18,714 |  |  |  |  |
Comenity Bank |  |  |  |  |
Common equity tier 1 capital ratio (1) | 15.4 | % |  | 4.5 | % |  | 6.5 | %
Tier 1 capital ratio (2) | 15.4 |  |  | 6.0 |  |  | 8.0 |
Total risk-based capital ratio (3) | 16.8 |  |  | 8.0 |  |  | 10.0 |
Tier 1 leverage capital ratio (4) | 13.5 |  |  | 4.0 |  |  | 5.0 |
Comenity Capital Bank |  |  |  |  |
Common equity tier 1 capital ratio (1) | 15.4 | % |  | 4.5 | % |  | 6.5 | %
Tier 1 capital ratio (2) | 15.4 |  |  | 6.0 |  |  | 8.0 |
Total risk-based capital ratio (3) | 19.0 |  |  | 8.0 |  |  | 10.0 |
Tier 1 leverage capital ratio (4) | 13.6 |  |  | 4.0 |  |  | 5.0 |
__________________________________ (1)Common equity tier 1 capital ratio represents tier 1 capital divided by total risk-weighted assets. In the calculation of tier 1 capital, we follow the Basel III Standardized Approach and therefore Total stockholders' equity has been reduced, primarily by Goodwill and intangible assets, net. (2)Tier 1 capital ratio represents tier 1 capital divided by total risk-weighted assets. In the calculation of tier 1 capital, we follow the Basel III Standardized Approach and therefore Total stockholders' equity has been reduced, primarily by Goodwill and intangible assets, net. (3)Total risk-based capital ratio represents total capital divided by total risk-weighted assets. In the calculation of total capital, we follow the Basel III Standardized Approach and therefore tier 1 capital has been increased by tier 2 capital, which for us is comprised of subordinated notes, as well as the allowable portion of the Allowance for credit losses. (4)Tier 1 leverage capital ratio represents tier 1 capital divided by total average assets, after certain adjustments. (5)Total risk-weighted assets are generally measured by allocating assets, and specified off-balance sheet exposures, to various risk categories as defined by the Basel III Standardized Approach.

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- Definition Regulatory Capital Requirements under Banking Regulation [Abstract] + References No definition available. + Details
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- Definition Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1B -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B + Details
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