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American Express National Bank

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

Sandy, UT

137 banks in the $10B-$250B peer group nationally 11 in UT
View $10B-$250B leaderboard (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 2.46% above tier average
  • + Net Interest Margin 4.72% above tier average
  • + Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 28.8% in tier
  • - Liquidity Strain: Bottom 36.1% in tier
  • - Capital Thin: Bottom 37.1% in tier
  • - Non-Interest-Bearing Deposit Share 19.78% below tier average
  • - Efficiency Ratio 16.60% above tier average
Get updates when American Express National Bank releases new data →

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
+$170.6B $47.0B
-1.9% YoY
$31.5B
+16.1% YoY
$6.2B
+9.1% YoY
Top 2.9% in tier
Total Loans ? $163.1B
+7.1% YoY -1.3% QoQ
+$133.7B $29.4B
-0.4% YoY
$18.8B
+6.7% YoY
$3.2B
+10.8% YoY
Top 0.7% in tier
Total Deposits ? $174.0B
+9.5% YoY +3.7% QoQ
+$135.6B $38.4B
-1.6% YoY
$24.2B
+10.6% YoY
$4.8B
+8.2% YoY
Top 2.2% in tier
Return on Assets ? 3.74%
-12.2% YoY -3.9% QoQ
+2.46% 1.28%
+18.7% YoY
2.19%
+3.7% YoY
1.23%
+13.4% YoY
Top 0.7% in tier
Net Interest Margin ? 8.49%
+2.4% YoY +2.3% QoQ
+4.72% 3.77%
+5.8% YoY
7.79%
+9.7% YoY
3.89%
+5.7% YoY
Top 2.2% in tier
Efficiency Ratio ? 70.61%
+5.7% YoY +3.0% QoQ
+16.60% 54.01%
-3.7% YoY
105.45%
+9.4% YoY
66.95%
-4.1% YoY
Bottom 10.2% in tier
Delinquency Rate ? 0.75%
+3.0% YoY +2.9% QoQ
-0.26% 1.02%
-3.8% YoY
1.46%
+7.1% YoY
0.95%
+18.8% YoY
48%
Loan-to-Deposit Ratio ? 93.73%
-2.2% YoY -4.8% QoQ
+12.94% 80.79%
+1.9% YoY
84.36%
+3.4% YoY
76.70%
+0.9% YoY
21%
Non-Interest-Bearing Deposit Share ? 0.26%
+21.9% YoY -4.5% QoQ
-19.78% 20.04%
+0.2% YoY
17.87%
+4.4% YoY
22.01%
-1.2% YoY
Bottom 8.8% in tier
Nonperforming Asset Ratio ? 0.57%
+3.2% YoY -1.4% QoQ
-0.16% 0.72%
+4.2% YoY
1.01%
+17.9% YoY
0.67%
+19.3% YoY
41%
Tier 1 Capital Ratio ? 10.96%
-7.5% YoY +0.2% QoQ
-4.55% 15.51%
-0.4% YoY
22.97%
+16.9% 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% 0.22%
+0.3% YoY
1.04%
+5.8% YoY
0.32%
+4.1% YoY
Top 0.1% in tier

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 35 • 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: 0.22%, National: 0.32%)
better than tier avg
Return on Assets: 3.74%
(Tier: 1.28%, National: 1.23%)
better than tier avg
35 of 35 Large banks match · 926 nationally
→ Stable +3 banks QoQ

Concerns (3)

Credit Risk Growth

risk
#20 of 66 • Bottom 28.8% in tier

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

66 of 66 Large banks match · 1464 nationally
→ Stable -10 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: 80.79%, National: 76.70%)
worse than tier avg
36 of 36 Large banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

Capital Thin

risk
#14 of 35 • Bottom 37.1% 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: 15.51%, National: 17.06%)
worse than tier avg
35 of 35 Large banks match · 926 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).
Comparing against 137 peers in $10B-$250B

Top Strengths (6 metrics)

1
Non-Interest Income / Assets
revenue_mix
Value: 3.57%
Peer Median: 0.22%
#1 of 137 Top 0.1% in $10B-$250B
2
Total Loans
size
Value: $163.07B
Peer Median: $29.36B
#2 of 137 Top 0.7% in $10B-$250B
2
Return on Assets
profitability
Value: 3.74%
Peer Median: 1.28%
#2 of 137 Top 0.7% in $10B-$250B
4
Total Deposits
size
Value: $173.98B
Peer Median: $38.42B
#4 of 137 Top 2.2% in $10B-$250B
4
Net Interest Margin
profitability
Value: 8.49%
Peer Median: 3.77%
#4 of 137 Top 2.2% in $10B-$250B
5
Total Assets
size
Value: $217.57B
Peer Median: $46.96B
#5 of 137 Top 2.9% in $10B-$250B

Top Weaknesses (4 metrics)

132
Tier 1 Capital Ratio
capital
Value: 10.96%
Peer Median: 15.51%
#132 of 137 Bottom 4.4% in $10B-$250B
126
Non-Interest-Bearing Deposit Share
funding
Value: 0.26%
Peer Median: 20.04%
#126 of 137 Bottom 8.8% in $10B-$250B
124
Efficiency Ratio
profitability
Value: 70.61%
Peer Median: 54.01%
#124 of 137 Bottom 10.2% in $10B-$250B
109
Loan-to-Deposit Ratio
liquidity
Value: 93.73%
Peer Median: 80.79%
#109 of 137 Bottom 21.2% in $10B-$250B
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