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American Momentum Bank

College Station, TX · Cert 58309 · Adam Corp. Group the

State charter, non-member · FDIC · 28 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

96

Q2 2024Q2 2026peer median (50)

Asset Quality

19

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

75

Q2 2024Q2 2026peer median

Efficiency

50

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

American Momentum Bank

College Station, TX · Cert 58309 · Adam Corp. Group the

State charter, non-member · FDIC · 28 branches

Q2 2026

$2.8BAssets
$2.0BLoans
$2.2BDeposits
$630.4MEquity
Loan mix
87%RE $1.6B13%C&I $0.2B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
59%Interest-bearing $1.3B41%Noninterest $0.9BQ2 2025Q2 2026

NIM

5.79%Q2 ’245.68%Q2 ’255.10%Q2 ’26-7%-10%

Non-interest income vs. expense

2.70%Q2 ’242.54%Q2 ’252.59%Q2 ’26-3%+4%

Market Position · College Station-Bryan, TX · 2026 SOD (annual) · 7.3% share · #5 of 26 inst. · $0.7B of $9.1B

8.4% Brazos
6.9% Ector
1.3% Collier
2.6% Midland

Executive Summary

  • Earnings: ROA of 1.27%, down 44 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 3.52% of loans (+222 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 19.24%, up 136 bps from a year ago.
  • Funding: loans stand at 91.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.27%-44 bps YoY

Net Interest Margin (YTD, annualized)

4.19%-47 bps YoY

Efficiency Ratio (YTD, annualized)

58.61%+710 bps YoY

Tier 1 Leverage Ratio

19.24%+136 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.72%1.74%1.78%1.47%1.27%-44 bps
Return on Equity8.48%8.43%8.55%6.69%5.78%-270 bps
Net Interest Margin4.66%4.62%4.61%4.20%4.19%-47 bps
Efficiency Ratio51.51%51.64%50.76%58.49%58.61%+710 bps
Non-Interest Burden2.18%2.16%2.08%2.26%2.26%+8 bps
Growth
Asset Growth (YoY)7.59%3.53%-0.26%0.12%1.74%-584 bps
Loan Growth (YoY)3.42%2.41%-4.88%-6.50%0.10%-332 bps
Deposit Growth (YoY)6.22%1.47%-3.15%-1.67%0.53%-570 bps
Asset Quality
Nonperforming Loans / Loans1.29%1.75%2.27%3.85%3.52%+222 bps
Net Charge-Offs / Loans0.39%0.26%0.23%0.12%0.11%-28 bps
Allowance / Loans1.13%1.13%1.16%1.14%1.17%+4 bps
Allowance Coverage of NPLs0.9x0.6x0.5x0.3x0.3x-0.5x
Capital
Tier 1 Leverage Ratio17.88%18.48%18.78%18.94%19.24%+136 bps
Total Risk-Based Capital23.64%24.55%26.47%27.20%26.06%+242 bps
Equity / Assets20.93%21.65%21.96%22.01%22.15%+122 bps
Liquidity & Funding
Loans / Deposits91.75%92.26%87.64%85.77%91.36%-39 bps
Liquid Assets / Assets10.96%11.59%16.50%17.43%13.20%+225 bps
CRE / Total Capitaln/a244%227%220%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

American Momentum Bank

College Station, TX · Cert 58309 · Peer group: banks $1B-$10B in assets (n=322-328) · Adam Corp. Group the

State charter, non-member · FDIC · 28 branches

Q2 2026

$2.8BAssets
$2.0BLoans
$2.2BDeposits
$630.4MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 98% of banks $1B-$10B in assets (rank 7 of 328).
  • Widest gap: nonperforming loans / loans trails 96% of banks $1B-$10B in assets (rank 311 of 322).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.26%

Rank 151 of 328

Net Interest Margin

4.19%

Rank 42 of 328

Efficiency Ratio

59.57%

Rank 166 of 328

Equity / Assets

22.15%

Rank 7 of 328

Non-interest income vs. expense

$9.4M$73.3MINCOMEEXPENSE
Unfavorable gap of $64.0M · efficiency ratio beats 50% of banks $1B-$10B in assets
Bank 59.57%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.26%0.91%1.22%1.52%Beats 54%151 / 328
Return on Equity5.70%8.43%11.45%14.43%Beats 10%295 / 328
Net Interest Margin4.19%3.03%3.45%3.83%Beats 87%42 / 328
Efficiency Ratio59.57%51.61%59.56%67.53%Beats 50%166 / 328
Asset Quality
Nonperforming Loans / Loans3.52%0.24%0.51%1.03%Beats 4%311 / 322
Net Charge-Offs / Loans0.07%0.01%0.03%0.10%Beats 33%217 / 322
Capital
Tier 1 Capital Ratio24.90%11.75%13.15%15.47%Beats 95%16 / 328
Total Risk-Based Capital Ratio26.06%12.63%14.15%16.46%Beats 95%16 / 328
Equity / Assets22.15%9.15%10.33%12.01%Beats 98%7 / 328
Liquidity & Funding
Loans / Deposits91.36%76.63%87.92%95.36%63rd pctl120 / 323
Loans / Assets70.12%65.18%74.15%79.98%37th pctl206 / 328
Brokered Deposits / Depositsn/aNot reported for this institution