American Express National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 3.39 percentage points in Q2 2026, from 97.06% to 100.45%. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $172.33B |
| Net loans and leases | $166.71B |
| Loans held for sale | $1.75B |
| Loans to total assets | 80.55% |
| Loan-to-deposit ratio | 100.45% |
| Net loans to equity capital | 8.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 27.94% |
| Consumer | 70.75% |
| Credit cards | 65.83% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.12% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 13.23% |
| Interest income on loans | $5.56B |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $137.42B | $136.29B | 0.00% | 29.72% | 69.42% |
| Q4 2023 | $144.69B | $140.97B | 0.00% | 28.09% | 70.94% |
| Q1 2024 | $145.11B | $147.76B | 0.00% | 29.37% | 69.62% |
| Q2 2024 | $149.46B | $148.70B | 0.00% | 29.18% | 69.70% |
| Q3 2024 | $151.01B | $146.51B | 0.00% | 29.05% | 69.77% |
| Q4 2024 | $159.20B | $149.99B | 0.00% | 27.67% | 71.19% |
| Q1 2025 | $157.72B | $158.85B | 0.00% | 29.02% | 69.75% |
| Q2 2025 | $160.79B | $168.45B | 0.00% | 28.65% | 70.14% |
| Q3 2025 | $163.19B | $168.15B | 0.00% | 28.64% | 70.10% |
| Q4 2025 | $171.11B | $167.79B | 0.00% | 27.47% | 71.42% |
| Q1 2026 | $168.87B | $173.98B | 0.00% | 28.58% | 70.10% |
| Q2 2026 | $172.33B | $171.55B | 0.00% | 27.94% | 70.75% |
American Express National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Express National Bank, freeSource: Call Report Schedule RC-C, 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)