Bank Comparison
Capital One, N.A. vs American Express National Bank
Two large card-focused banks.
vs
17 · 7
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Capital One, N.A. | American Express National Bank |
|---|---|---|
| CET1 Ratio | 13.73% | 10.96% |
| Tier 1 Capital Ratio | 13.73% | 10.96% |
| Total Capital Ratio | 15.41% | 13.10% |
| Tier 1 Leverage Ratio | 10.80% | 8.71% |
| Equity / Assets | 14.48% | 8.74% |
Profitability
| Metric | Capital One, N.A. | American Express National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.38% | 3.67% |
| Return on Equity (ROE) | 9.51% | 42.14% |
| Net Interest Margin (NIM) | 7.92% | 8.17% |
| Yield on Earning Assets | 10.49% | 11.15% |
| Cost of Funds | 2.96% | 3.50% |
Asset quality
| Metric | Capital One, N.A. | American Express National Bank |
|---|---|---|
| Texas Ratio | 15.21% | 16.65% |
| Non-Performing Loan Ratio | 1.55% | 2.12% |
| Non-Performing Asset Ratio | 1.05% | 1.65% |
| Net Charge-Off Ratio | 3.50% | 2.50% |
| ACL / Loans | 5.28% | 3.43% |
Balance sheet
| Metric | Capital One, N.A. | American Express National Bank |
|---|---|---|
| Total Assets | $672,010M | $217,568M |
| Total Deposits | $520,795M | $173,984M |
| Total Loans | $447,940M | $168,872M |
| Total Equity | $97,280M | $19,007M |
| Net Income (quarter) | $2,317M | $2,002M |
Liquidity & funding
| Metric | Capital One, N.A. | American Express National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 86.01% | 97.06% |
| Core Deposit Ratio | 96.56% | 98.64% |
| Uninsured Deposit Ratio | 21.38% | 19.15% |
Identity
| Metric | Capital One, N.A. | American Express National Bank |
|---|---|---|
| Headquarters City | MC LEAN | SANDY |
| Headquarters State | VA | UT |
| Asset Tier | National | National |
| Charter Class | 13688 | 25151 |
| Regulator | OCC | OCC |
| Domestic Branches | 259 | 1 |
| Employees (FTE) | 88,752 | 2,522 |
| Established | May 22, 1933, midnight | March 20, 1989, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Capital One, N.A. profile | View full American Express National Bank profile | Browse all bank comparisons