American Express National Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Sandy, UT, American Express National Bank ranks among the largest US commercial banks by total assets. Total assets stand at $213.9B. Profitability is strong, 3.61% ROA, paired with 41.03% ROE and a 8.22% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 10.86% sits well above the 7% level required once the capital conservation buffer is included. Credit conditions bear watching: 2.03% NPL ratio with a 16.19% Texas Ratio (elevated but below the 100% concern level). The bank operates from a single office.
As of June 30, 2026, American Express National Bank reported a CET1 capital ratio of 10.86%, a return on assets of 3.61%, a nonperforming-loan ratio of 2.03%, a Texas ratio of 16.19%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 115 W Towne Ridge Pkwy, Sandy, UT 84070
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, UT
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Established
- March 20, 1989
- Former names
- American Express Centurion Bank (1996-2018); American Express Deposit Corporation (1994-1996); American Express Resource Corporation (1990-1994)
- Offices
- 1 domestic
- Employees (FTE)
- 2,582
- Domestic deposits
- $171.55B
- Allowance for credit losses
- $5.61B
- Net charge-offs (YTD)
- $2.06B
- Average total assets
- $216.68B
- Average total loans
- $168.14B
- Average interest-bearing deposits
- $170.03B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- March 20, 1989
- FDIC Cert
- 27471
- Fed RSSD
- 1394676
- SEC CIK
- 4962 → filed by AMERICAN EXPRESS COMPANY
- Website
- www.americanexpress.com →
- Parent Holding Company
- AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (RSSD 3793536)
- Ultimate Parent
- AMERICAN EXPRESS COMPANY (RSSD 1275216)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full American Express National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock American Express National Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
American Express National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for American Express National Bank: ROA.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.86% | 3.61% | 2.03% | 16.19% | 8.22% |
| Q1 2026 | 10.96% | 3.67% | 2.12% | 16.65% | 8.17% |
| Q4 2025 | 10.94% | 3.57% | 2.03% | 16.14% | 8.21% |
| Q3 2025 | 10.96% | 3.99% | 2.05% | 16.52% | 8.01% |
| Q2 2025 | 11.08% | 3.60% | 2.06% | 16.08% | 7.78% |
| Q1 2025 | 11.85% | 4.18% | 2.09% | 15.58% | 7.91% |
| Q4 2024 | 11.60% | 3.87% | 2.11% | 16.29% | 7.95% |
| Q3 2024 | 11.59% | 3.83% | 2.21% | 16.81% | 7.89% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Express National Bank (main office) | Sandy , UT | 84070 | $171.55B |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 2, 2018 | Structure Change | Acquired American Express Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 19, 2004 | Structure Change | Sale of Assets | FFIEC NIC |
| July 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1996 | Structure Change | Acquired American Express Centurion Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for American Express National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 3 against the institution (OCC)
- October 8, 2026, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): American Express National Bank
- October 8, 2026, OCC: Civil Money Penalty (CMP): American Express National Bank
- July 24, 2023, OCC: Civil Money Penalty (CMP): American Express National Bank
- Period: Most recent institution action October 8, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 14.0% of deposits in UT, rank 3 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about American Express National Bank
What are American Express National Bank's total assets?
As of the Q2 2026 filing, American Express National Bank reported total assets of $213.95 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is American Express National Bank headquartered?
American Express National Bank is headquartered in Sandy, UT, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was American Express National Bank founded?
American Express National Bank was established in 1989, per the FDIC institution directory.
Is American Express National Bank FDIC-insured?
Yes. American Express National Bank is an FDIC-insured commercial bank (FDIC Certificate #27471). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Express National Bank?
American Express National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is American Express National Bank's CET1 capital ratio?
American Express National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.86% in its Q2 2026 call report, above regulatory requirements.
How many branches does American Express National Bank operate?
American Express National Bank operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Express National Bank's Texas Ratio?
American Express National Bank's Texas Ratio is 16.19% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was American Express National Bank previously called?
The charter now named American Express National Bank has also operated as American Express Centurion Bank (1996-2018), American Express Deposit Corporation (1994-1996), American Express Resource Corporation (1990-1994), per FDIC structure-change records.
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