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
Unfavorable gap of $64.0M · efficiency ratio beats 50% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.26% | 0.91% | 1.22% | 1.52% | Beats 54% | 151 / 328 | |
| Return on Equity | 5.70% | 8.43% | 11.45% | 14.43% | Beats 10% | 295 / 328 | |
| Net Interest Margin | 4.19% | 3.03% | 3.45% | 3.83% | Beats 87% | 42 / 328 | |
| Efficiency Ratio | 59.57% | 51.61% | 59.56% | 67.53% | Beats 50% | 166 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.52% | 0.24% | 0.51% | 1.03% | Beats 4% | 311 / 322 | |
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.03% | 0.10% | Beats 33% | 217 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 24.90% | 11.75% | 13.15% | 15.47% | Beats 95% | 16 / 328 | |
| Total Risk-Based Capital Ratio | 26.06% | 12.63% | 14.15% | 16.46% | Beats 95% | 16 / 328 | |
| Equity / Assets | 22.15% | 9.15% | 10.33% | 12.01% | Beats 98% | 7 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 91.36% | 76.63% | 87.92% | 95.36% | 63rd pctl | 120 / 323 | |
| Loans / Assets | 70.12% | 65.18% | 74.15% | 79.98% | 37th pctl | 206 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |