Side-by-side · Q2 2026 data
American Express National Bank vs UBS Bank USA, National Association
Metric by metric
| Measure | American Express National Bank | UBS Bank USA, National Association |
|---|---|---|
| TellerScore | 69 (stronger) | 64 |
| Capital cushion | 38 (stronger) | 31 |
| Loan quality | 79 | 96 (stronger) |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 60 (stronger) | 51 |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 94th | 73rd |
| Total assets | $213.9B | $124.4B |
| Deposits / shares | $171.6B | $109.3B |
| Capital ratio | 8.84% (stronger) | 8.08% |
| Problem loans | 0.63% | 0.12% (stronger) |
| Net charge-offs | 2.41% | -0.01% (stronger) |
| Return on assets | 3.70% (stronger) | 1.09% |
| Loans ÷ deposits | 97.2% | 85.0% (stronger) |
| Uninsured deposits | 18.2% (stronger) | 37.2% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | 30,577 | 31 |
| Complaints per $1B deposits | 178.2 | 0.3 (stronger) |
| Mortgage denial rate (HMDA) | — | 7.7% |
American Express National Bank has the higher TellerScore (69 vs 64). On the 8 directional measures above (where higher or lower is clearly better), American Express National Bank leads on 4 and UBS Bank USA, National Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.