AMERICAN EXPRESS NATIONAL BANK

SANDY, UT | National | Est. March 20, 1989, midnight | FDIC #27471 | RSSD #1394676 | OCC
Latest Report: 2025-12-31

AMERICAN EXPRESS NATIONAL BANK is ann national FDIC-insured commercial bank headquartered in SANDY, UT, established in March 20, 1989, midnight. As of 2025-12-31, the bank reported total assets of $211.3B and total deposits of $167.8B. Profitability stands at 3.59% ROA and 40.77% ROE, with a net interest margin of 8.98%. The bank's CET1 capital ratio is 10.94%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.39% and a Texas Ratio of 2.67%. FDIC Certificate #27471.

Assets

$211.3B

Deposits

$167.8B

Loans

$171.1B

Equity

$19.0B

Profitability

Return on Assets (ROA) 3.59%
Return on Equity (ROE) 40.77%
Net Interest Margin (NIM) 8.98%
Yield on Assets 12.47%
Cost of Funds 4.20%

Asset Quality

NPL Ratio 0.39%
Net Charge-Off Ratio 2.35%
Texas Ratio 2.67%
NPA Ratio 0.31%
ACL / Loans 3.42%

Capital & Liquidity

CET1 Ratio 10.94%
Tier 1 Capital 10.94%
Total Capital Ratio 13.08%
Leverage Ratio 8.96%
Loan-to-Deposit 101.98%

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