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REGULATORY MATTERS AND CAPITAL ADEQUACY (Details) $ in Millions | Jun. 30, 2026 USD ($) | Dec. 31, 2025 USD ($)
--- | --- | ---
Tier 1 leverage capital ratio |  |
Total risk-weighted assets | $ 19,329 | $ 19,755
Total Company |  |
Common equity tier 1 capital ratio |  |
Ratio/Dollar Value | 0.129 | 0.130
Minimum Ratio for Capital Adequacy Purposes * | 0.045 |
Tier 1 capital ratio |  |
Ratio/Dollar Value | 0.139 | 0.134
Minimum Ratio for Capital Adequacy Purposes * | 6.00% |
Total risk-based capital ratio |  |
Ratio/Dollar Value | 0.171 | 0.168
Minimum Ratio for Capital Adequacy Purposes * | 0.080 |
Tier 1 leverage capital ratio |  |
Ratio/Dollar Value | 0.123 | 0.124
Minimum Ratio for Capital Adequacy Purposes * | 0.040 |
Comenity Bank |  |
Common equity tier 1 capital ratio |  |
Ratio/Dollar Value | 0.155 | 0.151
Minimum Ratio for Capital Adequacy Purposes * | 0.045 |
Minimum Ratio to be Well Capitalized under Prompt Corrective Action Provisions | 0.065 |
Tier 1 capital ratio |  |
Ratio/Dollar Value | 0.155 | 0.151
Minimum Ratio for Capital Adequacy Purposes * | 6.00% |
Minimum Ratio to be Well Capitalized under Prompt Corrective Action Provisions | 8.00% |
Total risk-based capital ratio |  |
Ratio/Dollar Value | 0.169 | 0.165
Minimum Ratio for Capital Adequacy Purposes * | 0.080 |
Minimum Ratio to be Well Capitalized under Prompt Corrective Action Provisions | 0.100 |
Tier 1 leverage capital ratio |  |
Ratio/Dollar Value | 0.134 | 0.141
Minimum Ratio for Capital Adequacy Purposes * | 0.040 |
Minimum Ratio to be Well Capitalized under Prompt Corrective Action Provisions | 0.050 |
Comenity Capital Bank |  |
Common equity tier 1 capital ratio |  |
Ratio/Dollar Value | 0.125 | 0.135
Minimum Ratio for Capital Adequacy Purposes * | 0.045 |
Minimum Ratio to be Well Capitalized under Prompt Corrective Action Provisions | 0.065 |
Tier 1 capital ratio |  |
Ratio/Dollar Value | 0.142 | 0.141
Minimum Ratio for Capital Adequacy Purposes * | 6.00% |
Minimum Ratio to be Well Capitalized under Prompt Corrective Action Provisions | 8.00% |
Total risk-based capital ratio |  |
Ratio/Dollar Value | 0.177 | 0.175
Minimum Ratio for Capital Adequacy Purposes * | 0.080 |
Minimum Ratio to be Well Capitalized under Prompt Corrective Action Provisions | 0.100 |
Tier 1 leverage capital ratio |  |
Ratio/Dollar Value | 0.128 | 0.132
Minimum Ratio for Capital Adequacy Purposes * | 0.040 |
Minimum Ratio to be Well Capitalized under Prompt Corrective Action Provisions | 0.050 |

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