American Express National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Express National Bank of Sandy, UT against its peer group of 14 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 3.61% | 1.36% | +2.25% | 100th top |
| ROAE | 41.03% | 13.90% | +27.13% | 100th top |
| Net Interest Margin | 8.22% | 3.63% | +4.59% | 92nd top |
| Efficiency Ratio | 72.90% | 54.52% | +18.38% | 0th bottom |
| PPNR / Avg Assets | 6.38% | 2.18% | +4.20% | 92nd top |
| Yield on Earning Assets | 11.13% | 5.81% | +5.32% | 92nd top |
| Cost of Funds | 3.41% | 2.27% | +1.14% | 15th bottom |
| Net Interest Spread | 7.76% | 3.07% | +4.69% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.03% | 1.29% | +0.74% | 8th bottom |
| NPA / Total Assets | 1.63% | 0.79% | +0.84% | 8th bottom |
| NCO / Avg Loans | 2.44% | 0.71% | +1.73% | 8th bottom |
| ACL / Total Loans | 3.26% | 1.90% | +1.36% | 85th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 160.63% | 175.43% | -14.80% | 54th above |
| Texas Ratio | 16.19% | 9.20% | +6.99% | 8th bottom |
| Provision / NCO | 88.67% | 113.93% | -25.26% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.86% | 14.06% | -3.20% | 8th bottom |
| Tier 1 Ratio | 10.86% | 14.21% | -3.35% | 8th bottom |
| Total Capital Ratio | 12.99% | 15.76% | -2.77% | 8th bottom |
| Leverage Ratio | 8.84% | 9.58% | -0.74% | 15th bottom |
| Equity / Assets | 8.95% | 10.08% | -1.13% | 31st below |
| TCE / Tangible Assets | 8.95% | 8.62% | +0.33% | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.45% | 74.03% | +26.42% | 8th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 84.65% | 84.62% | +0.03% | 38th below |
| Uninsured Deposit Ratio | 18.17% | 37.99% | -19.82% | 77th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 6.21% | 6.54% | -0.33% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.05% | 11.50% | -10.45% | 15th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.18% | 12.81% | -5.63% | 77th top |
| Deposit Growth (Y/Y) | 1.84% | 11.48% | -9.64% | 31st below |
See American Express National Bank's peers by name
The 14 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Express National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full American Express National Bank profile, how to read a UBPR, or how this data updates.