American Express National Bank is headquartered in Sandy, Utah. It is a national bank (chartered by the OCC), established 03/20/1989 and insured by the FDIC since 03/20/1989. At the 06/30/2026 reporting date it held $214 billion in assets and $172 billion in deposits across 1 office.
Size
By total assets it ranks #22 of 4,213 active FDIC-insured banks in the United States. Among the 44 FDIC-insured banks headquartered in Utah it ranks #2.
Capital and earnings
| Equity capital | $19.2 billion (9.0% of assets) |
|---|---|
| Net income, year to date | $4.0 billion through 06/30/2026 |
| Return on assets (annualized) | 3.70% |
Equity capital is what the bank owns after subtracting its liabilities; a higher share of assets means a thicker cushion against losses. These are the bank’s own regulatory filings, not a rating or a recommendation.
Is it FDIC insured?
Yes. American Express National Bank holds FDIC certificate number 27471. Deposits are insured up to $250,000 per depositor, per insured bank, per ownership category. You can confirm this on the bank’s FDIC BankFind page.
Other large banks in Utah
- Morgan Stanley Bank, National Association, $419 billion in assets
- Ally Bank, $188 billion in assets
- UBS Bank USA, National Association, $124 billion in assets
- Synchrony Bank, $115 billion in assets
- Zions Bancorporation, N.A., $89.0 billion in assets
- SoFi Bank, National Association, $56.8 billion in assets
Banks of a similar size
- Citizens Bank, National Association, #20, $233 billion in assets
- Manufacturers and Traders Trust Company, #21, $219 billion in assets
- KeyBank National Association, #23, $189 billion in assets
- Ally Bank, #24, $188 billion in assets
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This page reports regulatory data only. It does not show the bank’s rates or products, which change often and are listed on the bank’s own site. americanexpress.com