B
American Express National Bank
SandyUT
Rating Date
August 2024
Risk Based
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Major Rating Factors: Operating profits as a percentage of assets at 4.5%, coupled with a return on assets of 3.4 has resulted in Excellent (10.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.8 on a scale of 0 to 10).
Other Rating Factors: Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 13.0 and a capital leverage ratio of 9.1. Weak liquidity 2.8, driven by a liquidity ratio of 25.1 percent and a “hot money” ratio of 2.2 percent.
Asset Mix: Consumer loans (54%), cash (23%), comm loans (23%), other (0%)
States with Branches: UT
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
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5-Year Charge-Offs to Average Loans
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Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Group Affiliation
American Express Company
Investment Rating
Address
115 West Towne Ridge Parkway
Sandy, UT 84070
Phone Number
(801) 945-5000
Year Founded
1989
FDIC Number
Largest Affiliates
No affiliate information available.
Weiss Ratings