BlastPoint's Banking Scorecard
American Express National Bank
Large
Specialty: Credit Card
UT
FDIC cert 27471
Sandy, UT
69
banks in Large tier nationally
7 in UT
View Large leaderboard (UT) →
American Express National Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 1% in Large
- + Profitability Leader: Top 12% in Large
- + Net Interest Margin 4.84% above tier
- + Loan-to-Deposit Ratio 16.77% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 13.55% above tier
- - Tier 1 Capital Ratio 2.39% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$211.3B
+9.4% YoY
+0.1% QoQ
|
+$136.4B |
$74.9B
-4.4% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$165.3B
+7.6% YoY
+5.0% QoQ
|
+$118.8B |
$46.4B
-2.1% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$167.8B
+11.9% YoY
-0.2% QoQ
|
+$107.3B |
$60.5B
-4.5% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
3.89%
+6.1% YoY
-2.4% QoQ
|
+2.69% |
1.19%
+17.8% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
8.30%
+3.3% YoY
+0.8% QoQ
|
+4.84% |
3.46%
+13.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
68.58%
+0.1% YoY
+1.3% QoQ
|
+13.55% |
55.03%
-2.8% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.73%
-4.8% YoY
-4.9% QoQ
|
-0.14% |
0.88%
-0.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
98.49%
-3.8% YoY
+5.2% QoQ
|
+16.77% |
81.72%
+3.9% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.27%
+11.5% YoY
+14.7% QoQ
|
-19.70% |
19.97%
+0.5% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.57%
-6.4% YoY
-0.2% QoQ
|
+0.02% |
0.55%
+9.0% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
10.94%
-5.7% YoY
-0.1% QoQ
|
-2.39% |
13.33%
-0.7% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
Bottom 4% in tier |
| Non-Interest Income / Assets ? |
14.40%
-0.8% YoY
+35.7% QoQ
|
+13.31% |
1.09%
+2.4% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (4)
Revenue Diversifier
growth
#1 of 17 · Top 1% in Large
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
14.40%
(Tier: 1.09%, National: 0.65%)
Return on Assets:
3.89%
(Tier: 1.19%, National: 1.12%)
17 of 17 Large banks match
·
441 nationally
→ Stable
+4 banks QoQ
Profitability Leader
growth
#3 of 18 · Top 12% in Large
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
3.89%
(Tier: 1.19%, National: 1.12%)
18 of 18 Large banks match
·
444 nationally
→ Stable
+5 banks QoQ
Net Interest Margin
metric
Top 1%
in Large
Why this stands out
Current:
8.30%
(Tier avg: 3.46%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Top 6%
in Large
Why this stands out
Current:
98.49%
(Tier avg: 81.72%, National avg: 78.04%)
Concerns (2)
Efficiency Ratio
metric
Bottom 7%
in Large
Why this stands out
Current:
68.58%
(Tier avg: 55.03%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Bottom 4%
in Large
Why this stands out
Current:
10.94%
(Tier avg: 13.33%, National avg: 9.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Total Loans
Current: $165.3B · Tier avg: $46.4B
100
100th pctile
Return on Assets
Current: 3.89% · Tier avg: 1.19%
100
100th pctile
Net Interest Margin
Current: 8.30% · Tier avg: 3.46%
100
100th pctile
Non-Interest Income / Assets
Current: 14.40% · Tier avg: 1.09%
94
94th pctile
Total Deposits
Current: $167.8B · Tier avg: $60.5B
94
94th pctile
Loan-to-Deposit Ratio
Current: 98.49% · Tier avg: 81.72%
93
93th pctile
Total Assets
Current: $211.3B · Tier avg: $74.9B
55
55th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.88%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.55%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 0.27% · Tier avg: 19.97%
7
7th pctile
Efficiency Ratio
Current: 68.58% · Tier avg: 55.03%
4
4th pctile
Tier 1 Capital Ratio
Current: 10.94% · Tier avg: 13.33%
Top Weaknesses
4
4th pctile
Tier 1 Capital Ratio
Current: 10.94% · Tier avg: 13.33%
7
7th pctile
Efficiency Ratio
Current: 68.58% · Tier avg: 55.03%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 0.27% · Tier avg: 19.97%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.55%
55
55th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.88%
93
93th pctile
Total Assets
Current: $211.3B · Tier avg: $74.9B
94
94th pctile
Loan-to-Deposit Ratio
Current: 98.49% · Tier avg: 81.72%
94
94th pctile
Total Deposits
Current: $167.8B · Tier avg: $60.5B
100
100th pctile
Non-Interest Income / Assets
Current: 14.40% · Tier avg: 1.09%
100
100th pctile
Net Interest Margin
Current: 8.30% · Tier avg: 3.46%
100
100th pctile
Return on Assets
Current: 3.89% · Tier avg: 1.19%
100
100th pctile
Total Loans
Current: $165.3B · Tier avg: $46.4B