American Express Centurion Bank

4315 South 2700 West, Mail Code: 02-01-47
Salt Lake City, UT 84184

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 27471
Date Established 1989
Assets $37.01 billion
Loans $22.00 billion
Deposits $25.33 billion
Capital $6.42 billion

American Express Centurion Bank is an FDIC insured institution located in Salt Lake City, UT. It was founded in 1989 and has approximately $37.01 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of American Express Centurion Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in American Express Centurion Bank’s loan portfolio are Credit Card Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Utah, American Express Centurion Bank has a significantly higher percent of Credit Card Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 100.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.72
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for American Express Centurion Bank, but see these great savings and CD rates:


Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for American Express Centurion Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to American Express Centurion Bank
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Branches

American Express Centurion Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


American Express Centurion Bank Locations

Financial Details

American Express Centurion Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Express Centurion Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
American Express Centurion Bank U.S. Bank Average
2.87% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, American Express Centurion Bank had $201,092,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $6,421,256,000 in equity and $593,726,000 in loans loss reserves. That gives it a Texas Ratio of 2.87%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
American Express Centurion Bank U.S. Bank Average
33.11% 8.58

American Express Centurion Bank has a Return on Equity of 33.11% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
American Express Centurion Bank U.S. Bank Average
17.35% 12.11

American Express Centurion Bank has a Capitalization of 17.35% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

American Express Centurion Bank Balance Sheet Analysis

As of June 30, 2017, American Express Centurion Bank had assets of $37,010,205,000, loans of $21,999,843,000, and deposits of $25,333,063,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About American Express Centurion Bank

Branches and Savings

Is American Express Centurion Bank FDIC insured?

Yes. It is covered under FDIC Certificate #27471.

Why does American Express Centurion Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are American Express Centurion Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is American Express Centurion Bank a commercial bank?

Yes

Where are American Express Centurion Bank locations?

See branch locations nearby.

Is American Express Centurion Bank open on Saturdays?

Is American Express Centurion Bank open on Sundays?

What time does American Express Centurion Bank open?

What time does American Express Centurion Bank close?

Are American Express Centurion Bank ATMs Open 24/7?

Do American Express Centurion Bank ATMs accept cash deposits?

Can American Express Centurion Bank customers use other ATMs?

Do American Express Centurion Bank branches have notaries?

Will American Express Centurion Bank notarize my document?

What address for American Express Centurion Bank should I put for incoming ACH transfers?

Will the American Express Centurion Bank branch print checks?

Do American Express Centurion Bank checks expire?

Does American Express Centurion Bank require US citizenship to open account?

Can American Express Centurion Bank close my account?

Does American Express Centurion Bank Report to credit bureaus?

Does American Express Centurion Bank Use Equifax?

What is American Express Centurion Bank's ACH Routing Number?

What is American Express Centurion Bank's SWIFT code?

Products

Does American Express Centurion Bank offer mortgages?

Compare mortgage rates here.

Does American Express Centurion Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does American Express Centurion Bank offer personal loans?

Compare personal loan rates here.

Does American Express Centurion Bank offer student loans?

Will American Express Centurion Bank cash a check?

Will American Express Centurion Bank redeem a savings bond?

Does American Express Centurion Bank cash savings bonds?

Will American Express Centurion Bank cash money orders?

Can American Express Centurion Bank issue a money order?

Does American Express Centurion Bank do currency exchange?

Background on The Bank

Who owns American Express Centurion Bank?

How long has American Express Centurion Bank been around?

Can American Express Centurion Bank transfer to other banks?

Does American Express Centurion Bank have quick pay?

Does American Express Centurion Bank accept rolled coins?

Will American Express Centurion Bank accept loose change?

Where is American Express Centurion Bank headquarters?

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