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AMERICAN EXPRESS CENTURION BANK

SANDY, UT · Supervised by FDIC

Est. 1989FDIC #27,471RSSD: FDIC-27471

Part ofAMERICAN EXPRESS CO→ View all charters

Outstanding Up

Current rating · Exam: June 2016

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Contact & Details

FDIC BankFind

Website

www.americanexpress.com

Address

115 W Towne Ridge Pkwy, SANDY, UT

County

Salt Lake County

Established

March 20, 1989

Total Assets

$217.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 1, 2016

Exam Type

Wholesale/Limited Purpose

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 10 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$217.6B

Total Deposits

$174.0B

Net Loans

$163.1B

Net Income

$2.0B

ROA

3.74%

Above avg for Large banks. Peer avg: 1.37%

ROE

42.14%

Risk-Based Capital

13.10%

Below avg for Large banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Large banks

Compared to the peer-bank Large peer group (same asset tier).

ROA3.74%Peer avg: 1.37%▲ Above avg

Risk-Based Capital13.10%Peer avg: 15.74%▼ Below avg

Complaints / $B219.00Peer avg: 88.45▲ More than avg

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Consumer Complaints

CFPB · through Jun 2026

Last 12 Months

11,385

Since 2018

47,634

all complaints on record

Monetary Relief

28.7%

% of complaints where company provided monetary relief

Untimely Response

0.3%

% exceeding CFPB's 15-day response window

Complaints by Product Type

Credit card or prepaid card

54%

25,487

Credit reporting or other personal consumer reports

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jun 2016	Outstanding	Wholesale/Limited Purpose
Oct 2014	Satisfactory	Wholesale/Limited Purpose
Dec 2010	Satisfactory	Wholesale/Limited Purpose

9 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$168.4B

1-Year Change

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