American Express National Bank
Total assets
$213.95B
▲ +1.1% YoY
Deposits
$171.55B
▲ +1.8% YoY
Loans
$166.71B
▲ +7.5% YoY
Offices
1
AMERICAN EXPRESS CO
ROA (annualized)
3.70%
peers 1.23%
ROE (annualized)
41.56%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +5.9% | -4.8 pts |
| Deposit growth (YoY) | +1.8% | +5.7% | -3.9 pts |
| Loan growth (YoY) | +7.5% | +6.9% | +0.5 pts |
| ROA | 3.70% | 1.23% | +2.5 pts |
| ROE | 41.6% | 11.2% | +30.3 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
Profile
- Established
- 1989
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- AMERICAN EXPRESS CO
- Specialization
- Credit-card Specialization
- Address
- 115 W Towne Ridge Pkwy, Sandy, UT, 84070
- County
- Salt Lake
- Metro area
- Salt Lake City, UT
- Offices
- 1
- FDIC cert #
- 27471
- RSSD ID
- 1394676
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $213.95B | $171.55B | $166.71B | $19.15B | $3.96B | 3.70% | 8.49% | 0.51% |
| Q1 2026 | $217.57B | $173.98B | $163.07B | $19.01B | $2.00B | 3.74% | 8.49% | 0.57% |
| Q4 2025 | $211.28B | $167.79B | $165.26B | $19.01B | $8.01B | 3.89% | 8.30% | 0.57% |
| Q3 2025 | $211.13B | $168.15B | $157.39B | $18.17B | $6.11B | 3.98% | 8.24% | 0.57% |
| Q2 2025 | $211.72B | $168.45B | $155.09B | $18.18B | $3.98B | 3.93% | 8.15% | 0.53% |
| Q1 2025 | $203.45B | $158.85B | $152.24B | $19.16B | $2.11B | 4.26% | 8.29% | 0.55% |
| Q4 2024 | $193.06B | $149.99B | $153.62B | $18.55B | $6.94B | 3.66% | 8.04% | 0.61% |
| Q3 2024 | $192.15B | $146.51B | $145.58B | $17.56B | $5.04B | 3.57% | 7.94% | 0.55% |
Loan mix (Q2 2026): real estate $0 · commercial $48.14B · consumer $121.92B · securities $3.15B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.70% | 1.23% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 41.6% | 11.3% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 8.49% | 3.55% | 97th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 54.9% | 94th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Ally BankSandy, UT · $188.18B
- Manufacturers and Traders Trust CompanyBuffalo, NY · $218.79B
- UBS Bank USA, National AssociationSalt Lake City, UT · $124.44B
- Citizens Bank, National AssociationProvidence, RI · $232.52B
- First-Citizens Bank & Trust CompanyRaleigh, NC · $236.32B
- Synchrony BankDraper, UT · $115.22B
Selling to American Express National Bank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.