American Express National Bank
BankRegReports is independent of American Express National Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
American Express National Bank is an FDIC-insured commercial bank headquartered in Sandy, UT, established in 1989 (FDIC certificate 27471), and it is supervised by the OCC. At Q2 2026 it reported total assets of $213.95B, up 1.1% from Q2 2025, the 2nd largest of 44 banks headquartered in Utah. Its CET1 capital ratio was 10.86% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 27471
- Headquarters
- Sandy, UT
- Established
- 1989
- Total assets, Q2 2026
- $213.95B
- Assets vs Q2 2025
- +1.1%
- CET1 ratio, Q2 2026
- 10.86%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 124071889
- Latest call report
- Q2 2026, FFIEC 031 · American Express National Bank call report
- Holding company
- AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
- Asset rank in state
- 2nd of 44 in Utah
American Express National Bank is the 22nd-largest bank in the United States, with $213.9 billion in assets at June 30, 2026, up 1.1% from a year earlier. It is headquartered in Sandy, Utah. It earns about $3.61 a year on every $100 of assets, about triple the median of $1.21 for the 14 banks with $100 billion to $250 billion in assets. On the other hand, it spends about 73 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 55 cents).
Loans are outrunning deposits: over the year loans rose 7.2% and deposits rose 1.8%. Where it has less room is capital: it holds common equity equal to 10.86% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 12.29%).
As of June 30, 2026, American Express National Bank reported a CET1 capital ratio of 10.86%, a return on assets of 3.61%, a nonperforming-loan ratio of 0.63% and a Texas ratio of 4.39%. The figures come from its call report filed with the FFIEC.
American Express National Bank ranks as the 2nd largest of the 44 banks based in Utah, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.7% to $213.95B, loans rose 2.0% and deposits fell 1.4%. Its loan book on June 30, 2026 was led by credit card loans, at 65.8% of total loans, followed by commercial and industrial loans at 27.9%. The FDIC Summary of Deposits lists a single office for it, in Sandy, UT. On its Q2 2026 call report, American Express National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 115 W Towne Ridge Pkwy, Sandy, UT 84070
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, UT
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Established
- March 20, 1989
- Former names
- American Express Centurion Bank (1996-2018); American Express Deposit Corporation (1994-1996); American Express Resource Corporation (1990-1994)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 2,582
- Domestic deposits
- $171.55B
- Allowance for credit losses
- $5.61B
- Net charge-offs (YTD)
- $2.06B
- Average total assets
- $216.68B
- Average total loans
- $168.14B
- Average interest-bearing deposits
- $170.03B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- March 20, 1989
- FDIC Cert
- 27471
- Fed RSSD
- 1394676
- SEC CIK
- 4962 → filed by AMERICAN EXPRESS COMPANY
- Website
- www.americanexpress.com →
- Parent Holding Company
- AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (RSSD 3793536)
- Ultimate Parent
- AMERICAN EXPRESS COMPANY (RSSD 1275216)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Stephen J Squeri | CEO | Chairman and CEO |
| Rafael Marquez | PRES | President, International Card |
| Le Caillec Christophe | CFO | Chief Financial Officer |
| Ravikumar Radhakrishnan | CIO | Chief Information Officer |
| Laureen Seeger | GC | Chief Legal Officer |
| Douglas Tabish | CRO | Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, American Express National Bank's total assets ranged from $174.80B (Q3 2023) to $217.57B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$213.95B total assets against $211.72B; $194.79B total liabilities against $193.54B.
$166.71B net loans and leases against $155.09B; $171.55B total deposits against $168.45B.
$3.15B securities against $248.1M; $39.18B cash and balances due against $51.93B.
$6.00B total interest income against $5.79B; $1.57B total interest expense against $1.73B.
$4.43B net interest income against $4.06B.
$8.31B total noninterest income against $7.54B; $9.29B total noninterest expense against $7.97B.
$839.1M provision for credit losses against $1.17B.
$1.96B net income against $1.87B.
3.61% return on assets against 3.60%; 8.22% net interest margin against 7.78%.
10.86% CET1 capital ratio against 11.08%; 8.84% tier 1 leverage ratio against 8.73%.
Inside the full American Express National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
American Express National Bank rankings
Its closest position to the top of a national ranking is 22 of 4,196, for total assets; its furthest is 1,985 of 2,134, for CET1 ratio.
Metric pages for American Express National Bank: ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 3.57% (Q4 2025) to 4.18% (Q1 2025) and its net interest margin ran from 7.78% (Q2 2025) to 8.22% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.86% | 3.61% | 0.63% | 4.39% | 8.22% |
| Q1 2026 | 10.96% | 3.67% | 0.73% | 4.96% | 8.17% |
| Q4 2025 | 10.94% | 3.57% | 0.71% | 4.87% | 8.21% |
| Q3 2025 | 10.96% | 3.99% | 0.74% | 5.06% | 8.01% |
| Q2 2025 | 11.08% | 3.60% | 0.70% | 4.71% | 7.78% |
| Q1 2025 | 11.85% | 4.18% | 0.71% | 4.52% | 7.91% |
| Q4 2024 | 11.60% | 3.87% | 0.74% | 4.90% | 7.95% |
| Q3 2024 | 11.59% | 3.83% | 0.69% | 4.56% | 7.89% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Express National Bank (main office) | Sandy , UT | 84070 | $171.55B |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 2, 2018 | Structure Change | Acquired American Express Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 19, 2004 | Structure Change | Sale of Assets | FFIEC NIC |
| July 1, 1996 | Structure Change | Acquired Ids Deposit Corporation - Retained Charter Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC)
- October 8, 2026, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): American Express National Bank
- October 8, 2026, OCC: Civil Money Penalty (CMP): American Express National Bank
- July 24, 2023, OCC: Civil Money Penalty (CMP): American Express National Bank
- Period: Most recent institution action October 8, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 14.0% of deposits in UT, rank 3 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 71 loans, $1.4M approved, $19K average. 26.76% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows American Express National Bank’s latest filed figures and updates each quarter.
Similar banks
Compare American Express National Bank with peers
Frequently asked about American Express National Bank
What are American Express National Bank's total assets?
As of the Q2 2026 filing, American Express National Bank reported total assets of $213.95 billion in its FFIEC call report.
Where is American Express National Bank headquartered?
It is headquartered in Sandy, UT, United States.
When was American Express National Bank founded?
It was established in 1989, per the FDIC institution directory.
Is American Express National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27471). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Express National Bank?
American Express National Bank's primary federal regulator is the OCC.
What is American Express National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.86% in its Q2 2026 call report, above regulatory requirements.
How many branches does American Express National Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Express National Bank's Texas Ratio?
Its Texas Ratio is 4.39% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was American Express National Bank previously called?
The charter now named American Express National Bank has also operated as American Express Centurion Bank (1996-2018), American Express Deposit Corporation (1994-1996), American Express Resource Corporation (1990-1994), per FDIC structure-change records.
Go deeper on American Express National Bank.
Get an email when American Express National Bank files its next call report, and benchmark it against any peer you choose.
Unlock American Express National Bank, freeFree account