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American Express National Bank
Sandy, UT·FDIC Cert #27471·Charter: OCC·Est. 19890320.0·HC: AMERICAN EXPRESS CO
Total Assets
$211.3B
Q4 2025
Return on Assets
3.89%
-0.09%Peer avg: 1.14%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
68.58%
Peer avg: 53.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
3.89%-0.09
ROE
43.03%-1.00
Efficiency
68.58%+0.91
Equity/Assets
0.00%+0.00
NPL Ratio
0.73%-0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
98.49%+4.89
Charge-offs
2.48%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 3.4 | 3.4 | 3.6 | 3.7 | 4.3 | 3.9 | 4.0 | 3.9 |
| ROE | 37.6 | 37.9 | 39.6 | 40.1 | 44.8 | 42.7 | 44.0 | 43.0 |
| Efficiency | 69.3 | 69.6 | 68.6 | 68.5 | 66.8 | 67.8 | 67.7 | 68.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.7 | 0.7 | 0.8 | 0.7 | 0.7 | 0.8 | 0.7 |
| Charge-offs | 2.5 | 2.6 | 2.5 | 2.5 | 2.6 | 2.5 | 2.5 | 2.5 |
| Loan/Deposit | 94.8 | 97.0 | 99.4 | 102.4 | 95.8 | 92.1 | 93.6 | 98.5 |
Balance Sheet
Total Assets$211.3B
Total Deposits$167.8B
Total Loans$165.3B
Total Equity$19.0B
Profitability
ROA3.89%
ROE43.03%
Efficiency Ratio68.58%
Net Income$8.0B
Risk & Asset Quality
NPL Ratio0.73%
Charge-off Rate2.48%
Loan/Deposit98.49%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans