FDIC Cert #27471 · Sandy, Utah · Est. 1989

American Express National Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$211.3B
Total assets
A
Health grade · Excellent
3.89%
Return on assets
10.9%
Tier 1 capital

Data updated July 2026

The verdict

American Express National Bank earns a PlainBankData health grade of A (81/100), with well-capitalized at 10.94% Tier 1, profitable at 3.89% ROA, 69% efficiency ratio.

#22
largest of 4,313 FDIC banks by assets
100th
percentile by asset size, nationally
10.94%
Tier 1 ratio - above the 10% well-capitalized line
99th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 27471 · UT A · 81/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MEGA · BOOK-FULL

  • GRADE-A A (81/100)
  • MID-PACK #1845/4307
  • PHOTO-FINISH Firstrust Savings Bank · PA
  • TIER1-WELL 10.9% Tier 1
  • TEXAS-CLEAN 4.9% Texas
  • ROA-STRONG 3.89% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside Utah: Firstrust Savings Bank, PA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around American Express National Bank

Lowest and highest poles plus nearest scored peers outside Utah, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Express Nat… · UT ·…81/100American Nation Bank · OK · …81/100Bank of DeSoto, Nati… · TX ·…81/100Cenlar FSB · NJ · near81/100Firstrust Savings Bank · PA …81/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around American Express National Bank · July 2026

What American Express National Bank's Call Report plate shows

American Express National Bank (FDIC Cert #27471) carries a PlainBankData health grade of A at 81/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,845 of 4,307. Tier 1 capital prints at 10.94%, clearing the 10% well-capitalized line. The Texas Ratio is 4.87%, inside the sub-50% band analysts treat as healthy. Return on assets is 3.89%. Balance-sheet scale is $211.3B, 22nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Firstrust Savings Bank (PA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around American Express National Bank

8 FAILURE resolutions in Utah since 2000 (7 since 2008)

American Express National Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; American Express National Bank remains an active FDIC-insured reporter.

  • PROFICIO BANK COTTONWOOD HEIGHTS, UT 2017 → CACHE VALLEY BANK
  • SUNFIRST BANK SAINT GEORGE, UT 2011 → CACHE VALLEY BANK
  • CENTENNIAL BANK OGDEN, UT 2010

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Utah banks.

How American Express National Bank's 81/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10081/100
American Express National Bank's composite health score
Tier 1 Capital Ratio (10.94%) 28/40
Return on Assets (ROA) (3.89%) 25/25
Texas Ratio (4.87%) 20/20
Efficiency Ratio (68.58%) 8/15

81 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$211.3B

Total balance-sheet footings

Total Deposits

$167.8B

Customer-funded liabilities

Net Loans

$165.3B

Outstanding loan book

Net Income

$8.0B

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.54% 10.94% 12.34%
Basel III capital ratios - American Express National Bank

Where American Express National Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. American Express National Bank's score of 81/100 falls in the highlighted band.

American Express National Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

81 Top 43% higher than 57% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. American Express National Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

American Express National Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). American Express National Bank's $211.3B falls in the highlighted band.

Safety ratios for American Express National Bank

Tier 1 capital ratio
Well-capitalized 10%

10.94% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.94%
Texas Ratio
4.87%
Equity Capital
$19.0B

What these ratios mean →

Earnings posture at American Express National Bank

Return on Assets (ROA)
99th percentile nationally
3.89%
Return on Equity (ROE)
43.03%
Efficiency Ratio
68.58%

What these mean →

Income & expense at American Express National Bank

$23.6B
Interest Income
$30.4B
Non-Interest Income
$32.3B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. American Express National Bank reports a Texas Ratio of 4.87% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.87% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View American Express National Bank on FDIC BankFind →

Top banks in Utah by total assets

Largest banks headquartered in Utah
  1. 1
    Morgan Stanley Bank $253.3B

    Salt Lake City, UT · Grade A

  2. 2
    American Express National Bank $211.3B

    Sandy, UT · Grade A

  3. 3
    Ally Bank $184.6B

    Sandy, UT · Grade A

  4. 4
    UBS Bank USA $119.3B

    Salt Lake City, UT · Grade A

  5. 5
    Synchrony Bank $112.1B

    Draper, UT · Grade A

Top 5 banks in Utah ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to American Express National Bank by assets

American Express National Bank is closely matched in total assets by Manufacturers and Traders Trust Compa…, Fifth Third Bank, The Huntington National Bank, Citizens Bank across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.12%, versus American Express National Bank's own 3.89%; the average efficiency ratio is 56.16%, versus 68.58% here; and average Tier 1 capital sits at 12.38%, versus 10.94% at American Express National Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $211.3B in assets, American Express National Bank sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.

Closest banks to American Express National Bank nationally by total assets
  1. 1
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  2. 2
    Fifth Third Bank $213.7B

    Cincinnati, OH · Grade A

  3. 3
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

  4. 4
    Citizens Bank $225.9B

    Providence, RI · Grade B

  5. 5
    First-Citizens Bank & Trust Company $229.3B

    Raleigh, NC · Grade B

  6. 6
    Ally Bank $184.6B

    Sandy, UT · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
American Express National Bank (this bank) UT $211.3B 3.89% 68.58% 10.94%
Manufacturers and Traders Trust Company NY $212.9B 1.40% 53.40% 12.13%
Fifth Third Bank, National Association OH $213.7B 1.34% 53.98% 13.09%
The Huntington National Bank OH $224.0B 1.20% 55.04% 11.72%
Citizens Bank, National Association RI $225.9B 0.87% 62.22% 12.27%
First-Citizens Bank & Trust Company NC $229.3B 1.00% 62.36% 12.55%
Ally Bank UT $184.6B 0.91% 49.98% 12.50%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($211.3B here), outside Utah so the neighborhood is not state containment.

Manufacturers and Traders Trust Compa… $212.9B · NY Fifth Third Bank $213.7B · OH The Huntington National Bank $224.0B · OH Citizens Bank $225.9B · RI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) American Express National Bank (FDIC Cert #27471) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

American Express National Bank Call Report profile · FDIC Failed Bank List · Utah FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Utah

All Utah banks →
BankAssetsGradeROA
Morgan Stanley Bank, National AssociationSalt Lake City $253.3B A 1.86%
Ally BankSandy $184.6B A 0.91%
UBS Bank USASalt Lake City $119.3B A 1.13%
Synchrony BankDraper $112.1B A 2.89%
Zions Bancorporation, N.A.Salt Lake City $89.0B B 1.01%
SoFi Bank, National AssociationCottonwood Heights $46.6B A 1.96%
Sallie Mae BankSalt Lake City $29.7B A 2.90%
Optum Bank, Inc.Draper $20.8B A 2.69%