TellerScore

American Express National Bank (FDIC certificate #27471) is based in Sandy, Utah. Its Q2 2026 call report shows $213.9B in total assets and $171.6B in deposits and 1 office.

American Express National Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than 94% of its 32 banks with over $100 billion. Among 45 banks headquartered in Utah, it ranks 30th. Earnings contributes the most (100/100, 3.70%); capital cushion contributes the least (38/100, 8.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Tier 1 leverage ratio: 8.84%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.63%
Earnings100/100
Return on assets (annualized): 3.70%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 97.2% · 18.2% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.39%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 69).

TellerScore
676970Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202469
Q4 202470
Q1 202570
Q2 202569
Q3 202567
Q4 202568
Q1 202668
Q2 202669
Tier 1 leverage ratio
5.00%7.29%9.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.14%
Q3 20249.10%
Q4 20249.58%
Q1 20259.49%
Q2 20258.73%
Q3 20258.49%
Q4 20258.96%
Q1 20268.71%
Q2 20268.84%
Noncurrent loans
0.63%0.69%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.67%
Q3 20240.69%
Q4 20240.74%
Q1 20250.71%
Q2 20250.70%
Q3 20250.74%
Q4 20250.71%
Q1 20260.73%
Q2 20260.63%
Return on assets
3.39%3.82%4.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20243.39%
Q3 20243.57%
Q4 20243.66%
Q1 20254.26%
Q2 20253.93%
Q3 20253.98%
Q4 20253.89%
Q1 20263.74%
Q2 20263.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$213.9B8.84%0.63%3.70%97.2%
Q1 202668$217.6B8.71%0.73%3.74%93.7%
Q4 202568$211.3B8.96%0.71%3.89%98.5%
Q3 202567$211.1B8.49%0.74%3.98%93.6%
Q2 202569$211.7B8.73%0.70%3.93%92.1%
Q1 202570$203.4B9.49%0.71%4.26%95.8%
Q4 202470$193.1B9.58%0.74%3.66%102.4%
Q3 202469$192.2B9.10%0.69%3.57%99.4%
Q2 202469$192.3B9.14%0.67%3.39%97.0%

32 peers · Over $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.84%
32nd
Total risk-based capital12.99%
10th
Problem loans0.63%
74th
Net charge-offs2.41%
6th
Return on assets3.70%
100th
Net interest margin8.49%
97th
Efficiency ratio71.8%
3rd
Loans to deposits97.2%
3rd
Uninsured deposits18.2%
90th
Loan-loss reserves3.26%
90th
Texas ratio4.4%
45th

Similar-size banks in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
Ally BankBank Sandy, UT65 out of 100, Moderate$188.2B9.6%0.85%vs
UBS Bank USA, National AssociationBank Salt Lake City, UT64 out of 100, Moderate$124.4B8.1%0.12%vs
Synchrony BankBank Draper, UT68 out of 100, Moderate$115.2B12.6%2.04%vs
Morgan Stanley Bank, National AssociationBank Salt Lake City, UT74 out of 100, Strong$419.3B10.4%0.47%vs

Deposit insurance

Is my money safe at American Express National Bank?

Yes. American Express National Bank is an FDIC-insured institution (FDIC certificate #27471). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.2% of deposits ($31.2B) are above the $250,000 FDIC insurance limit, below the peer median of 43%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.84%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.99% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

American Express National Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 30,584 consumer complaints about AMERICAN EXPRESS COMPANY to the company (11,566 in the last 12 months). 99.5% received a timely response. That is 178.3 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
American Express® Gold Card19.49% – 29.24%$325$290.0%
American Express® Green Card19.49% – 29.24%$150$290.0%
Blue Cash Everyday® Card18.24% – 29.24%$0$292.7%
Blue Cash Preferred® Card18.24% – 29.24%$95$292.7%
Centurion® Card from American Express19.49% – 20.24%$5,000$290.0%
Delta SkyMiles® Blue American Express Card19.49% – 29.24%$0$290.0%
Delta SkyMiles® Gold American Express Card19.49% – 29.24%$150$290.0%
Delta SkyMiles® Platinum American Express Card19.49% – 29.24%$350$290.0%

All American Express National Bank card terms

Identity & history

Profile

Legal name
American Express National Bank
Former names
American Express Resource Corporation; ILC Corporation; American Express Centurion Bank; American Express Deposit Corporation
Type
National bank
FDIC certificate #
27471
RSSD ID
1394676
Primary regulator
OCC
Holding company
American Express Co
Established
March 20, 1989
Headquarters
115 W Towne Ridge Pkwy, Sandy, UT 84070
Employees
2,582

Quick answers

American Express National Bank: common questions

Is American Express National Bank FDIC insured?

Yes. American Express National Bank is an FDIC-insured institution (FDIC certificate #27471). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is American Express National Bank's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has American Express National Bank ever failed?

There is no failure record for FDIC certificate #27471 in the FDIC failed bank list.

How many branches does American Express National Bank have?

1 office as of the latest FDIC data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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