v3.25.4
Regulatory Matters and Capital Adequacy (Tables)
 12 Months Ended
Dec. 31, 2025
Regulatory Matters And Capital Adequacy [Abstract]  
Regulatory capital ratios
The following table presents the regulatory capital ratios:
TABLE 21.1: REGULATORY CAPITAL RATIOS
(Millions, except percentages)CET 1
capital		Tier 1 capitalTotal capitalCET 1 capital
ratio		Tier 1 capital
ratio		Total capital
ratio		Tier 1 leverage
ratio		Supplementary
Leverage
Ratio
December 31, 2025: (a)
American Express Company$27,268 $28,888 $33,913 10.5 %11.1 %13.1 %9.8 %8.3 %
American Express National Bank$19,011 $19,011 $22,728 10.9 %10.9 %13.1 %9.0 %7.5 %
December 31, 2024: (a)
American Express Company$24,860 $26,405 $31,127 10.5 %11.2 %13.2 %9.8 %8.3 %
American Express National Bank$18,748 $18,748 $21,289 11.6 %11.6 %13.2 %9.6 %8.0 %
Well-capitalized ratios (b)
American Express CompanyN/A6.0 %10.0 %N/AN/A
American Express National Bank6.5 %8.0 %10.0 %5.0 %N/A
Minimum capital ratios (c)
4.5 %6.0 %8.0 %4.0 %3.0 %
Effective Minimum (d)
American Express Company7.0 %8.5 %10.5 %4.0 %3.0 %
American Express National Bank7.0 %8.5 %10.5 %4.0 %3.0 %
(a)Capital ratios reported using Basel III capital definitions and risk-weighted assets using the Basel III standardized approach.
(b)Represents requirements for bank holding companies and banking subsidiaries to be considered “well capitalized” pursuant to regulations issued under the Federal Reserve Regulation Y and the Federal Deposit Insurance Corporation Improvement Act, respectively. There is no CET1 capital ratio, Tier 1 leverage ratio or SLR requirement for a bank holding company to be considered “well capitalized.”
(c)As defined by the regulations issued by the Federal Reserve and OCC.
(d)Represents Basel III minimum capital requirement and applicable regulatory buffers as defined by the federal banking regulators, which includes the stress capital buffer for American Express Company and the capital conservation buffer for American Express National Bank.