American Express National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.39 percentage points higher than in Q1 2026, at 100.45%. American Express National Bank ranks 8th of 44 Utah banks on return on assets, in the upper half at 3.61% (Q2 2026). American Express National Bank's return on assets of 3.61% is well above the 1.21% median for banks in the $100B-250B asset tier, a gap of 2.40 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.86% |
| Tier 1 risk-based capital ratio | 10.86% |
| Total risk-based capital ratio | 12.99% |
| Tier 1 leverage ratio | 8.84% |
| Equity capital to assets | 8.95% |
| Tangible equity to tangible assets | 8.95% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.03% |
| Non-performing assets ratio | 1.63% |
| Net charge-off ratio | 2.44% |
| Texas ratio | 16.19% |
| Allowance for credit losses to loans | 3.26% |
| Reserve coverage of non-performing loans | 160.63% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.61% |
| Return on equity | 41.03% |
| Net interest margin | 8.22% |
| Efficiency ratio | 72.90% |
| Yield on earning assets | 11.13% |
| Cost of funds | 3.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.45% |
| Core deposits to total deposits | 84.65% |
| Brokered deposits to total deposits | 13.75% |
| Deposits to assets | 80.19% |
| Securities to assets | 1.47% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.44% | 11.44% | 13.17% | 9.27% | 3.82% |
| Q4 2023 | 11.59% | 11.59% | 13.29% | 9.55% | 3.81% |
| Q1 2024 | 11.23% | 11.23% | 12.94% | 9.00% | 3.37% |
| Q2 2024 | 11.39% | 11.39% | 12.98% | 9.14% | 3.40% |
| Q3 2024 | 11.59% | 11.59% | 13.18% | 9.10% | 3.83% |
| Q4 2024 | 11.60% | 11.60% | 13.17% | 9.58% | 3.87% |
| Q1 2025 | 11.85% | 11.85% | 13.42% | 9.49% | 4.18% |
| Q2 2025 | 11.08% | 11.08% | 13.28% | 8.73% | 3.60% |
| Q3 2025 | 10.96% | 10.96% | 13.14% | 8.49% | 3.99% |
| Q4 2025 | 10.94% | 10.94% | 13.08% | 8.96% | 3.57% |
| Q1 2026 | 10.96% | 10.96% | 13.10% | 8.71% | 3.67% |
| Q2 2026 | 10.86% | 10.86% | 12.99% | 8.84% | 3.61% |
American Express National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Express National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)