🏦Bank Scorer

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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At a Glance

Community Lending (CRA)

Outstanding

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

Consumer Complaints (12 mo)

361

1.66 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 3.74%

Institution Profile

FDIC BankFind

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%

ROE

42.14%

Risk-Based Capital

13.10%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Large banks

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

Complaints / $B1.66Peer avg: 0.83▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$168.4B

1-Year Change

0

Consumer Complaints

CFPB · through Jun 2026

Last 12 Months

361

All Time

1,110

Monetary Relief

26.6%

Untimely Response

0.6%

Most common complaint type: Credit card or prepaid card· 1.66 per $B assets (12m)

Monthly Complaints (last 24 months)

MonthComplaintsWith Monetary Relief
July 202400
August 202400
September 202410
October 2024133
November 202400
December 202400
January 202500
February 202500
March 202500
April 202520
May 202500
June 202500
July 202500
August 202500
September 202590
October 2025289
November 20252610
December 2025228
January 2026105
February 202664
March 20263510
April 202610725
May 20269020
June 2026289

Data through Jun 2026. Zero-height bars indicate months with no complaints on record.

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

11 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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