American Express National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 98.2% lower than in Q1 2026, at -$21.3M. American Express National Bank has the 2nd lowest CET1 ratio of the 28 banks headquartered in Utah, at 10.86% as of Q2 2026. The median for banks in the $100B-250B asset tier is 12.36% on CET1 ratio. American Express National Bank sits 1.50 points lower, at 10.86% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.86% |
| Tier 1 risk-based capital ratio | 10.86% |
| Total risk-based capital ratio | 12.99% |
| Tier 1 leverage ratio | 8.84% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $19.15B |
| Tier 1 capital | $19.15B |
| Total risk-based capital | $22.90B |
| Total equity capital | $19.15B |
| Risk-weighted assets | $176.34B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.95% |
| Tangible equity to tangible assets | 8.95% |
| Equity capital to average assets | 8.84% |
| Internal capital growth rate | 3.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $4.41B |
| Retained earnings | $14.76B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$21.3M |
| Subordinated notes and debentures | $1.50B |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.44% | 11.44% | 13.17% | 9.27% | $139.70B |
| Q4 2023 | 11.59% | 11.59% | 13.29% | 9.55% | $147.04B |
| Q1 2024 | 11.23% | 11.23% | 12.94% | 9.00% | $148.70B |
| Q2 2024 | 11.39% | 11.39% | 12.98% | 9.14% | $152.58B |
| Q3 2024 | 11.59% | 11.59% | 13.18% | 9.10% | $153.21B |
| Q4 2024 | 11.60% | 11.60% | 13.17% | 9.58% | $161.60B |
| Q1 2025 | 11.85% | 11.85% | 13.42% | 9.49% | $161.70B |
| Q2 2025 | 11.08% | 11.08% | 13.28% | 8.73% | $164.03B |
| Q3 2025 | 10.96% | 10.96% | 13.14% | 8.49% | $165.80B |
| Q4 2025 | 10.94% | 10.94% | 13.08% | 8.96% | $173.77B |
| Q1 2026 | 10.96% | 10.96% | 13.10% | 8.71% | $173.43B |
| Q2 2026 | 10.86% | 10.86% | 12.99% | 8.84% | $176.34B |
American Express National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Express National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American Express National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27471) · FFIEC NIC profile (RSSD 1394676)