BlastPoint's Banking Scorecard

American Express National Bank

$10B-$250B Specialty: Credit Card UT FDIC cert 27471

Sandy, UT

135 banks in the $10B-$250B peer group nationally 11 in UT

American Express National Bank has 4 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 0.1% in tier
+ Return on Assets 2.45% above tier average
+ Net Interest Margin 4.72% above tier average
+ Delinquency Rate 0.27% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 27.7% in tier
- Liquidity Strain: Bottom 36.1% in tier
- Capital Thin: Bottom 38.2% in tier
- Non-Interest-Bearing Deposit Share 19.56% below tier average
- Efficiency Ratio 16.70% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$217.6B +6.9% YoY +3.0% QoQ	+$170.2B	$47.4B -2.0% YoY	$30.1B +16.3% YoY	$6.2B +9.0% YoY	Top 3.0% in tier
Total Loans ?	$163.1B +7.1% YoY -1.3% QoQ	+$133.5B	$29.6B -0.4% YoY	$17.9B +6.8% YoY	$3.2B +10.7% YoY	Top 0.7% in tier
Total Deposits ?	$174.0B +9.5% YoY +3.7% QoQ	+$135.2B	$38.7B -1.6% YoY	$23.1B +10.8% YoY	$4.8B +8.0% YoY	Top 2.2% in tier
Return on Assets ?	3.74% -12.2% YoY -3.9% QoQ	+2.45%	1.28% +19.3% YoY	2.24% +5.6% YoY	1.24% +13.1% YoY	Top 0.7% in tier
Net Interest Margin ?	8.49% +2.4% YoY +2.3% QoQ	+4.72%	3.77% +5.6% YoY	7.76% +10.4% YoY	3.89% +5.7% YoY	Top 2.2% in tier
Efficiency Ratio ?	70.61% +5.7% YoY +3.0% QoQ	+16.70%	53.90% -4.0% YoY	104.30% +9.2% YoY	66.84% -3.8% YoY	Bottom 10.4% in tier
Delinquency Rate ?	0.75% +3.0% YoY +2.9% QoQ	-0.27%	1.02% -4.1% YoY	1.43% +8.3% YoY	0.95% +18.8% YoY	48%
Loan-to-Deposit Ratio ?	93.73% -2.2% YoY -4.8% QoQ	+12.84%	80.88% +2.0% YoY	82.66% +3.7% YoY	76.69% +0.9% YoY	21%
Non-Interest-Bearing Deposit Share ?	0.26% +21.9% YoY -4.5% QoQ	-19.56%	19.82% +0.3% YoY	18.48% +5.1% YoY	22.01% -1.1% YoY	Bottom 8.9% in tier
Nonperforming Asset Ratio ?	0.57% +3.2% YoY -1.4% QoQ	-0.16%	0.73% +4.0% YoY	0.98% +19.2% YoY	0.66% +19.3% YoY	41%
Tier 1 Capital Ratio ?	10.96% -7.5% YoY +0.2% QoQ	-4.60%	15.56% -0.1% YoY	22.82% +17.1% YoY	17.06% +0.8% YoY	Bottom 4.4% in tier
Non-Interest Income / Assets ?	3.57% +0.6% YoY -75.2% QoQ	+3.34%	0.23% +0.9% YoY	1.09% +7.6% YoY	0.32% +4.0% YoY	Top 0.1% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#1 of 34 • Top 0.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 3.57%

(Tier: 0.23%, National: 0.32%)

better than tier avg

Return on Assets: 3.74%

(Tier: 1.28%, National: 1.24%)

better than tier avg

34 of 34 Large banks match · 925 nationally

→ Stable +3 banks QoQ

Concerns (3)

Credit Risk Growth

risk

#19 of 65 • Bottom 27.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

65 of 65 Large banks match · 1462 nationally

→ Stable -11 banks QoQ

Liquidity Strain

risk

#14 of 36 • Bottom 36.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.73%

(Tier: 80.88%, National: 76.69%)

worse than tier avg

36 of 36 Large banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Capital Thin

risk

#14 of 34 • Bottom 38.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.96%

(Tier: 15.56%, National: 17.06%)

worse than tier avg

34 of 34 Large banks match · 925 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 135 peers in $10B-$250B

Top Strengths (6 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 3.57%

Peer Median: 0.23%

#1 of 135 Top 0.1% in $10B-$250B

Total Loans

size

Value: $163.07B

Peer Median: $29.62B

#2 of 135 Top 0.7% in $10B-$250B

Return on Assets

profitability

Value: 3.74%

Peer Median: 1.28%

#2 of 135 Top 0.7% in $10B-$250B

Total Deposits

size

Value: $173.98B

Peer Median: $38.75B

#4 of 135 Top 2.2% in $10B-$250B

Net Interest Margin

profitability

Value: 8.49%

Peer Median: 3.77%

#4 of 135 Top 2.2% in $10B-$250B

Total Assets

size

Value: $217.57B

Peer Median: $47.36B

#5 of 135 Top 3.0% in $10B-$250B

Top Weaknesses (4 metrics)

130

Tier 1 Capital Ratio

capital

Value: 10.96%

Peer Median: 15.56%

#130 of 135 Bottom 4.4% in $10B-$250B

124

Non-Interest-Bearing Deposit Share

funding

Value: 0.26%

Peer Median: 19.82%

#124 of 135 Bottom 8.9% in $10B-$250B

122

Efficiency Ratio

profitability

Value: 70.61%

Peer Median: 53.90%

#122 of 135 Bottom 10.4% in $10B-$250B

107

Loan-to-Deposit Ratio

liquidity

Value: 93.73%

Peer Median: 80.88%

#107 of 135 Bottom 21.5% in $10B-$250B