BlastPoint's Banking Scorecard

American Express National Bank

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

Sandy, UT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 12 in UT.
Deposits +1.8% year over year ($171.6B on the books).
Delinquency rate 0.65%.
Return on assets 3.70%.
Efficiency ratio 71.78% vs a 53.67% peer average.
Loan-to-deposit ratio 97.18% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 12 in UT

View $10B-$250B leaderboard (UT) →

American Express National Bank has 4 strengths but faces 4 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 2.31% above tier average
+ Net Interest Margin 4.57% above tier average
+ Delinquency Rate 0.36% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 5.7% in tier
- Liquidity Strain: Bottom 45.0% in tier
- Efficiency Ratio 18.11% above tier average
- Non-Interest-Bearing Deposit Share 20.34% below tier average

Get updates when American Express National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$213.9B +1.1% YoY -1.7% QoQ	+$170.3B	$43.6B -13.8% YoY	$31.1B +21.2% YoY	$6.3B +7.7% YoY	Top 2.2% in tier
Total Loans ?	$166.7B +7.5% YoY +2.2% QoQ	+$138.7B	$28.0B -8.6% YoY	$18.5B +10.6% YoY	$3.2B +9.4% YoY	Top 0.1% in tier
Total Deposits ?	$171.6B +1.8% YoY -1.4% QoQ	+$136.1B	$35.4B -14.0% YoY	$23.9B +15.2% YoY	$4.9B +7.3% YoY	Top 2.2% in tier
Return on Assets ?	3.70% -5.9% YoY -1.1% QoQ	+2.31%	1.39% +25.9% YoY	2.15% +9.7% YoY	1.30% +12.1% YoY	Top 1.4% in tier
Net Interest Margin ?	8.49% +4.1% YoY -0.1% QoQ	+4.57%	3.92% +8.9% YoY	7.81% +8.6% YoY	3.95% +4.9% YoY	Top 3.6% in tier
Efficiency Ratio ?	71.78% +5.9% YoY +1.7% QoQ	+18.11%	53.67% -1.9% YoY	105.46% +37.7% YoY	70.05% +2.5% YoY	Bottom 7.2% in tier
Delinquency Rate ?	0.65% -9.9% YoY -13.5% QoQ	-0.36%	1.01% -2.8% YoY	1.38% +2.5% YoY	0.98% +16.3% YoY	55%
Loan-to-Deposit Ratio ?	97.18% +5.5% YoY +3.7% QoQ	+14.57%	82.61% +3.1% YoY	83.52% +2.9% YoY	79.03% +2.3% YoY	Bottom 13.7% in tier
Non-Interest-Bearing Deposit Share ?	0.24% +2.8% YoY -8.2% QoQ	-20.34%	20.58% +4.9% YoY	17.78% -2.6% YoY	21.98% -0.6% YoY	Bottom 7.2% in tier
Nonperforming Asset Ratio ?	0.51% -4.2% YoY -10.1% QoQ	-0.22%	0.73% +5.8% YoY	0.92% +4.0% YoY	0.69% +15.8% YoY	49%
Tier 1 Capital Ratio ?	10.86% -2.0% YoY -0.9% QoQ	-4.49%	15.35% -0.4% YoY	21.39% +2.0% YoY	17.09% +0.8% YoY	Bottom 4.3% in tier
Non-Interest Income / Assets ?	7.51% +7.8% YoY +110.6% QoQ	+7.02%	0.50% +10.5% YoY	2.21% +5.7% YoY	0.66% +5.2% YoY	Top 0.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Noninterest-Bearing	0.2% 0.0pp YoY 0.0pp QoQ	-20.8pp	21.0%	20.1%	22.2%	4%
Brokered Deposits	13.7% -2.5pp YoY -0.6pp QoQ	+4.5pp	9.2%	28.6%	8.5%	82%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
C&I	28.9% -0.8pp YoY -0.7pp QoQ	+11.7pp	17.2%	25.0%	12.5%	89%
CRE	n/a	n/a	42.0%	44.1%	41.4%	n/a
1-4 Family	n/a	n/a	23.1%	13.8%	31.3%	n/a
Consumer	73.1% +0.4pp YoY +0.5pp QoQ	+60.2pp	12.9%	45.8%	5.0%	92%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
CET1 Ratio	10.9% -0.2pp YoY -0.1pp QoQ	-4.4pp	15.3%	25.0%	19.7%	4%
Leverage Ratio	8.8% +0.1pp YoY +0.1pp QoQ	-1.6pp	10.4%	15.7%	12.6%	14%
Total Capital Ratio	13.0% -0.3pp YoY -0.1pp QoQ	-3.5pp	16.5%	26.3%	20.8%	14%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Full-Time Employees	2,582 +209 (+8.8%) YoY +60 (+2.4%) QoQ	-676	3,258	1,029	482	62%
Assets per Employee ($)	$82.9M -7.1% YoY -4.0% QoQ	+$55.8M	$27.0M	$39.6M	$8.8M	92%
Branch Count	1 0 YoY 0 QoQ	-137	137	13	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Past Due 90+ Days	0.3% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.4%	0.6%	0.4%	81%
Nonaccrual	0.3% 0.0pp YoY -0.1pp QoQ	-0.4pp	0.7%	1.2%	1.0%	20%
Allowance Coverage	5.16x +1.8% YoY +9.5% QoQ	+2.35x	2.81x	7.86x	20.23x	91%
Net Charge-off Rate (YTD)	2.4% -0.1pp YoY 0.0pp QoQ	+2.0pp	0.4%	3.6%	0.2%	96%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
ROE	41.6% -1.2pp YoY -0.6pp QoQ	+28.9pp	12.6%	15.9%	11.6%	98%
Cost of Funds (YTD)	3.1% -0.4pp YoY 0.0pp QoQ	+1.1pp	2.0%	2.3%	1.7%	90%
Net Income ($, YTD)	$4.0B -0.5% YoY — QoQ	+$3.7B	$296.8M	$307.8M	$40.4M	99%

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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 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: 7.51%

(Tier: 0.50%, National: 0.66%)

better than tier avg

Return on Assets: 3.70%

(Tier: 1.39%, National: 1.30%)

better than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable

Concerns (2)

Capital Thin

risk

#3 of 35 • Bottom 5.7% 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: 10.86%

(Tier: 15.35%, National: 17.09%)

worse than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable | QoQ rank improving

Liquidity Strain

risk

#19 of 40 • Bottom 45.0% 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: 97.18%

(Tier: 82.61%, National: 79.03%)

worse than tier avg

40 of 40 Large banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

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 139 peers in $10B-$250B

Top Strengths (6 metrics)

Total Loans

size

Value: $166.71B

Peer Median: $27.97B

#1 of 139 Top 0.1% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 7.51%

Peer Median: 0.50%

#1 of 139 Top 0.1% in $10B-$250B

Return on Assets

profitability

Value: 3.70%

Peer Median: 1.39%

#3 of 139 Top 1.4% in $10B-$250B

Total Assets

size

Value: $213.95B

Peer Median: $43.60B

#4 of 139 Top 2.2% in $10B-$250B

Total Deposits

size

Value: $171.55B

Peer Median: $35.42B

#4 of 139 Top 2.2% in $10B-$250B

Net Interest Margin

profitability

Value: 8.49%

Peer Median: 3.92%

#6 of 139 Top 3.6% in $10B-$250B

Top Weaknesses (4 metrics)

134

Tier 1 Capital Ratio

capital

Value: 10.86%

Peer Median: 15.35%

#134 of 139 Bottom 4.3% in $10B-$250B

130

Non-Interest-Bearing Deposit Share

funding

Value: 0.24%

Peer Median: 20.58%

#130 of 139 Bottom 7.2% in $10B-$250B

130

Efficiency Ratio

profitability

Value: 71.78%

Peer Median: 53.67%

#130 of 139 Bottom 7.2% in $10B-$250B

121

Loan-to-Deposit Ratio

liquidity

Value: 97.18%

Peer Median: 82.61%

#121 of 139 Bottom 13.7% in $10B-$250B