American Express National Bank is a bank based in Sandy, Utah, established in 1989, with $217.6 billion in total assets across 1 branch. By Trust Grade it ranks 40th of 42 banks we track in Utah. Its capital ratio of 8.7% trails most similarly sized banks (31th percentile), versus a Utah median of 12.9%. It was profitable over the most recent period, with a 3.74% return on assets. Consumers filed 31,355 complaints about AMERICAN EXPRESS COMPANY with the CFPB — 144.1 per $1B in assets, a higher rate than 92% of peers.
How American Express National Bank compares to Utah peers
How we graded American Express National Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.7% capital ratio)
- Strongly profitable (ROA 3.74%)
- 144.1 complaints per $1B in assets
- Resolves 29% of complaints with relief
Consumer complaints (CFPB)
31,355 complaints filed with the CFPB against AMERICAN EXPRESS COMPANY — 144.1 per $1B in assets.
Branch locations (1)
- 115 W Towne Ridge Pkwy, Sandy, UT 84070
Are deposits at American Express National Bank insured?
Yes. American Express National Bank is an FDIC-insured bank (FDIC certificate #27471). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
American Express National Bank: frequently asked questions
Is American Express National Bank a good bank?
American Express National Bank earns a Bankzia Trust Grade of C (71/100, "Average"), based on a financial-strength score of 93/100 and a customer-experience score of 49.151411258172544/100. Well-capitalized (8.7% capital ratio); Strongly profitable (ROA 3.74%).
Is American Express National Bank FDIC-insured?
Yes. American Express National Bank is a FDIC-insured bank (FDIC certificate #27471). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is American Express National Bank?
American Express National Bank holds $217.6 billion in total assets, ranking 40th of 42 banks we track in Utah. It operates 1 branch.
How many complaints does American Express National Bank have?
Consumers filed 31,355 complaints about AMERICAN EXPRESS COMPANY with the CFPB, or 144.1 per $1B in assets. 100% were answered on time. 29% closed with relief to the consumer.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
