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Examined: Sat, 25 Apr 2026 19:44:22 GMT

American Express National Bank

RSSD 1394676 · UT · Total assets $211,275M
Composite CAMELS
2
2 — Satisfactory
C
Capital
2
0 findings
A
Asset Quality
2
0 findings
M
Management
2
0 findings
E
Earnings
2
0 findings
L
Liquidity
4
3 findings
S
Sensitivity
2
0 findings
0
Critical
2
High
1
Moderate
0
Low
24
Procedures run

Findings

HIGH · Liquidity Procedure L-01

Loans-to-deposits ratio elevated — wholesale-funding reliance

Citation
Interagency Policy Statement on Funding and Liquidity Risk Management (March 2010); FFIEC Liquidity and Funds Management Handbook
Evidence
Gross loans and leases $159,200M against total deposits $149,994M. A loans/deposits ratio above 100% indicates the institution funds loan growth with non-deposit (wholesale, brokered, or borrowed) funding sources, increasing liquidity and funding-cost sensitivity.
Recommended action
Provide an updated Contingency Funding Plan with specific playbook triggers (deposit-runoff thresholds, asset-sale order). Quantify uninsured-deposit runoff under stress scenarios. Document back-up borrowing capacity at FHLB, the discount window, and any standing facilities; pre-position collateral.
HIGH · Liquidity Procedure L-05

Wholesale funding dependency combined with loan funding pressure

Citation
Interagency Policy Statement on Funding and Liquidity Risk Management (March 2010); SR 10-6 — Interagency Policy Statement on Funding and Liquidity Risk Management
Evidence
Brokered deposits $23,721M, total deposits $149,994M, and gross loans and leases $159,200M indicate a combined pattern of brokered-funding reliance and loans exceeding deposits.
Recommended action
Provide a funding-risk action plan that addresses loan growth, brokered-deposit reliance, deposit pricing, and contingency liquidity. Demonstrate diversified funding capacity, realistic stress runoff assumptions, and board-approved limits for brokered deposits and loans-to-deposits.
MODERATE · Liquidity Procedure L-02

Brokered deposit concentration elevated

Citation
12 CFR § 337.6 — Brokered deposits; FDIC Brokered Deposit Rule
Evidence
Brokered deposits $23,721M against total deposits $149,994M. Elevated brokered-deposit reliance can increase liquidity sensitivity, funding-cost volatility, and supervisory restrictions if capital condition weakens.
Recommended action
Provide a brokered-deposit funding plan with board-approved concentration limits, maturity distribution, rate-sensitivity analysis, and contingency actions if brokered channels become unavailable or restricted. Demonstrate compliance monitoring for 12 CFR § 337.6.

Key ratios computed

Tier 1 ratio
11.60%
↑ rank 25 of 33 · regional
Tier 1 leverage
9.58%
↑ rank 13 of 34 · regional
Total capital
13.17%
↑ rank 25 of 34 · regional
NPL ratio
0.74%
ACL coverage
471.49%
CRE concentration
0.00%
Construction conc.
0.00%
ROA (annualized)
3.66%
↑ rank 1 of 34 · regional
NIM
8.04%
↑ rank 2 of 34 · regional
Efficiency ratio
68.49%
↓ rank 29 of 34 · regional
Loans / Deposits
106.14%
Brokered / Deposits
15.81%
Uninsured / Deposits
15.01%
Liquid asset ratio
18.10%
HTM loss / Tier 1
—
Asset growth YoY
—

Trend — last 8 quarters

Total assets ($M)
$193,062M
23Q03$165,450M 23Q06$172,352M 23Q09$174,798M 23Q12$180,421M 24Q03$189,503M 24Q06$192,276M 24Q09$192,154M 24Q12$193,062M
Tier 1 leverage
9.58%
23Q039.28% 23Q069.26% 23Q099.27% 23Q129.55% 24Q039.00% 24Q069.14% 24Q099.10% 24Q129.58%
Tier 1 RBC ratio
11.60%
23Q0311.34% 23Q0611.44% 23Q0911.44% 23Q1211.59% 24Q0311.23% 24Q0611.39% 24Q0911.59% 24Q1211.60%
ROA (YTD ann.)
3.66%
23Q033.29% 23Q063.17% 23Q093.39% 23Q123.50% 24Q033.38% 24Q063.39% 24Q093.57% 24Q123.66%
NIM (YTD ann.)
8.04%
23Q037.19% 23Q067.14% 23Q097.33% 23Q127.45% 24Q037.87% 24Q067.76% 24Q097.94% 24Q128.04%
Efficiency ratio
68.5%
23Q0371.5% 23Q0671.4% 23Q0970.0% 23Q1269.1% 24Q0369.3% 24Q0669.6% 24Q0968.6% 24Q1268.5%

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