American Express National Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and noninterest-bearing balances to assets dropped 3.76 percentage points in Q2 2026, from 22.07% to 18.31%. It was the largest change from Q1 2026 among the key lines here. American Express National Bank ranks 16th of 44 Utah banks on loan-to-deposit ratio, in the upper half at 100.45% (Q2 2026). American Express National Bank reported 100.45% on loan-to-deposit ratio for Q2 2026, 19.34 points above the 81.12% median for banks in the $100B-250B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.18B |
| Cash and noninterest-bearing balances to assets | 18.31% |
| Cash and securities | $42.34B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $11.78B |
| Subordinated notes and debentures | $1.50B |
| Other borrowed money to assets | 5.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.45% |
| Net loans and leases to deposits | 97.18% |
| Loans and leases to core deposits | 102.09% |
| Core deposits to total deposits | 84.65% |
| Brokered deposits to total deposits | 13.75% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 100.83% | 77.77% | $0 | $13.45B |
| Q4 2023 | 102.64% | 78.28% | $0 | $13.44B |
| Q1 2024 | 98.21% | 80.69% | $0 | $13.43B |
| Q2 2024 | 100.51% | 82.43% | $0 | $15.43B |
| Q3 2024 | 103.07% | 83.73% | $0 | $18.13B |
| Q4 2024 | 106.14% | 83.27% | $0 | $15.38B |
| Q1 2025 | 99.29% | 83.01% | $0 | $14.03B |
| Q2 2025 | 95.45% | 82.82% | $0 | $13.77B |
| Q3 2025 | 97.05% | 82.98% | $0 | $14.02B |
| Q4 2025 | 101.98% | 83.60% | $0 | $13.02B |
| Q1 2026 | 97.06% | 84.33% | $0 | $13.03B |
| Q2 2026 | 100.45% | 84.65% | $0 | $11.78B |
American Express National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American Express National Bank, freeSource: Call Report Schedules RC and RC-M, 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)