American Express National Bank
Sandy, UT · Cert 27471 · Peer group: banks over $10B in assets (n=142-144) · American Express Co.
National charter · OCC · 1 branch
Q2 2026
$213.9BAssets
$172.3BLoans
$171.6BDeposits
$19.2BEquity
Executive Summary
- Strongest standing: return on assets outperforms 98% of banks over $10B in assets (rank 3 of 144).
- Widest gap: tier 1 capital ratio trails 97% of banks over $10B in assets (rank 139 of 144).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
3.70%
Rank 3 of 144
Net Interest Margin
8.20%
Rank 6 of 144
Efficiency Ratio
71.78%
Rank 134 of 144
Equity / Assets
8.95%
Rank 118 of 144
Non-interest income vs. expense
Unfavorable gap of $3.7B · efficiency ratio beats 8% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.70% | 1.00% | 1.26% | 1.54% | Beats 98% | 3 / 144 | | |
| Return on Equity | 41.35% | 8.98% | 11.34% | 14.40% | Beats 98% | 3 / 144 | | |
| Net Interest Margin | 8.20% | 2.82% | 3.31% | 3.68% | Beats 96% | 6 / 144 | | |
| Efficiency Ratio | 71.78% | 49.42% | 56.02% | 62.41% | Beats 8% | 134 / 144 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.48% | 0.73% | 1.07% | Beats 59% | 59 / 142 | | |
| Net Charge-Offs / Loans | 1.57% | 0.05% | 0.11% | 0.22% | Beats 4% | 137 / 142 | | |
| Capital |
| Tier 1 Capital Ratio | 10.86% | 12.07% | 12.98% | 14.92% | Beats 3% | 139 / 144 | | |
| Total Risk-Based Capital Ratio | 12.99% | 13.39% | 14.14% | 16.25% | Beats 15% | 123 / 144 | | |
| Equity / Assets | 8.95% | 9.69% | 11.39% | 12.96% | Beats 18% | 118 / 144 | | |
| Liquidity & Funding |
| Loans / Deposits | 100.45% | 75.72% | 84.92% | 91.56% | 92nd pctl | 12 / 143 | | |
| Loans / Assets | 80.55% | 59.83% | 69.07% | 74.80% | 92nd pctl | 11 / 144 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |