Visbanking Logo
Skip to main content

American Express National Bank

IDRSSD: 1394676
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2024-Q4QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #1394676 2024-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Reserves (strong). Weakest pillar: Capitalization (watch).

Liquidity:Stable
Securities:Unknown
Capitalization:Watch
Asset Quality:Stable
Reserves:Strong

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.43% of loans.
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.4% (threshold 100%).

What changed this quarter

Compared to Q3 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ 0
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -2
67
Sub-score

Liquidity is stable: brokered 15.8%, loans/deposits 102.4%.

Cash / Assets
—
Loans / Deposits
102.42%
Brokered %
15.81%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.4% (threshold 100%).

Securities

Unknown
—
Sub-score

Insufficient data to compute a narrative for this pillar.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
—
No watch items at this period.

Capitalization

WatchQoQ +2
55
Sub-score

Capital position is deteriorating: Tier 1 RBC 11.60%, CET1 0.00%, leverage 9.59%.

Tier 1 RBC
11.60%
CET1
0.00%
Leverage
9.59%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ 0
76
Sub-score

Asset quality is stable: Adjusted NPL 0.77%, Texas Ratio 4.9%, NCO YTD 2.43%.

Adjusted NPL
0.77%
Govt-guarantees stripped
Texas Ratio
4.9%
NCO YTD
2.43%
30-89 PD
0.61%
Band 0.3% / 3.0%
90+ PD
0.37%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.43% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 3.50% of loans, coverage 471.5%, true coverage 141.9%.

ALLL / Loans
3.50%
Coverage
471.5%
True Loss Coverage
141.9%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 11:48:40 UTC