BanksAMERICAN EXPRESS NATIONAL BANK

AMERICAN EXPRESS NATIONAL BANK

SANDY, UTNationalEst. March 20, 1989, midnightFDIC #27471RSSD #1394676OCC
Latest · 2025-12-31

AMERICAN EXPRESS NATIONAL BANK is an 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%. CET1 capital ratio: 10.94%, well above regulatory minimums. NPL ratio: 0.39% · Texas Ratio: 2.67%. Operates 1 domestic branch.

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 Margin8.98%
Yield on Assets12.47%
Cost of Funds3.73%

Asset Quality

NPL Ratio0.39%
Net Charge-Off Ratio2.35%
Texas Ratio2.67%
NPA Ratio0.31%
ACL / Loans3.42%

Capital & Liquidity

CET1 Ratio10.94%
Tier 1 Capital10.94%
Total Capital Ratio13.08%
Leverage Ratio8.96%
Loan-to-Deposit101.98%

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