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American Express National Bank
Sandy, UT · FDIC Certificate #27471 · Chartered 03/2
Total assets
$213.95B
Total deposits
$171.55B
Total equity
$19.15B
Net loans
$166.71B
Branches (offices)
1
Net income (YTD)
$3.96B
Rank: #22 of 4,213 U.S. banks by assets · #2 of 44 in Utah. Assets changed 1.1% and deposits 1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 3.70% |
| Return on equity | 41.56% |
| Net interest margin (YTD) | 8.49% |
| Equity to assets | 8.95% |
| Tier 1 leverage ratio | 8.84% |
| Uninsured deposits (share of deposits) | 18.2% |
| Noncurrent loans (share of loans) | 0.63% |
| Net charge-offs (share of loans) | 2.41% |
| Loans to deposits | 97.2% |
| Real estate loans (share of loans) | 0.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $0 | 0.0% | |
| Commercial & industrial | $48.14B | 28.9% | |
| Consumer / individual | $121.92B | 73.1% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $137.92B | $104.57B | $3.32B | $13.23B |
| Jun 2023 | $172.35B | $135.60B | $2.61B | $15.25B |
| Jun 2024 | $192.28B | $148.70B | $3.18B | $17.19B |
| Jun 2025 | $211.72B | $168.45B | $3.98B | $18.18B |
| Jun 2026 | $213.95B | $171.55B | $3.96B | $19.15B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Utah | $171.55B | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $171.55B.
Similar-sized banks
Manufacturers And Traders Trust Company ($218.79B) · Keybank National Association ($188.56B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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