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REGULATORY MATTERS AND CAPITAL ADEQUACY (Tables) | 6 Months Ended
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Jun. 30, 2026
Regulated Operations [Abstract] |
Schedule of Actual Capital Ratios And Minimum Ratios | The following table provides the actual capital ratios and minimum ratios for the Company, as well as each Bank, as of the periods presented:
| Ratio/Dollar Value |  | Minimum Ratio for Capital Adequacy Purposes * |  | Minimum Ratio to be Well Capitalized under Prompt Corrective Action Provisions
(Millions, except percentages) | June 30, 2026 |  | December 31, 2025 |  |
Total Company |  |  |  |  |  |  |
Common equity tier 1 capital ratio (1) | 12.9 | % |  | 13.0 | % |  | 4.5 | % |  | N/A
Tier 1 capital ratio (2) | 13.9 |  |  | 13.4 |  |  | 6.0 |  |  | N/A
Total risk-based capital ratio (3) | 17.1 |  |  | 16.8 |  |  | 8.0 |  |  | N/A
Tier 1 leverage capital ratio (4) | 12.3 |  |  | 12.4 |  |  | 4.0 |  |  | N/A
Total risk-weighted assets (5) | $ | 19,329 |  |  | $ | 19,755 |  |  |  |  |
Comenity Bank |  |  |  |  |  |  |
Common equity tier 1 capital ratio (1) | 15.5 | % |  | 15.1 | % |  | 4.5 | % |  | 6.5 | %
Tier 1 capital ratio (2) | 15.5 |  |  | 15.1 |  |  | 6.0 |  |  | 8.0 |
Total risk-based capital ratio (3) | 16.9 |  |  | 16.5 |  |  | 8.0 |  |  | 10.0 |
Tier 1 leverage capital ratio (4) | 13.4 |  |  | 14.1 |  |  | 4.0 |  |  | 5.0 |
Comenity Capital Bank |  |  |  |  |  |  |
Common equity tier 1 capital ratio (1) | 12.5 | % |  | 13.5 | % |  | 4.5 | % |  | 6.5 | %
Tier 1 capital ratio (2) | 14.2 |  |  | 14.1 |  |  | 6.0 |  |  | 8.0 |
Total risk-based capital ratio (3) | 17.7 |  |  | 17.5 |  |  | 8.0 |  |  | 10.0 |
Tier 1 leverage capital ratio (4) | 12.8 |  |  | 13.2 |  |  | 4.0 |  |  | 5.0 |
______________________________ *The listed capital adequacy ratios exclude the Capital Conservation Buffer. (1)Common equity tier 1 capital ratio represents tier 1 capital reduced by Preferred stock, 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 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. For us, tier 1 capital is primarily comprised of CET1 capital and Preferred stock. (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 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 1B -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B Reference 2: 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 + Details
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