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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

$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

5.84%Q2 ’245.67%Q2 ’255.10%Q2 ’26-7%-10%

Non-interest income vs. expense

2.62%Q2 ’242.53%Q2 ’252.59%Q2 ’26+0%+6%

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 1.08%, down 68 bps year over year; NIM at 4.18%.
  • 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 (quarter, annualized)

1.08%-68 bps YoY

Net Interest Margin (quarter, annualized)

4.18%-48 bps YoY

Efficiency Ratio (quarter, annualized)

58.72%+781 bps YoY

Tier 1 Leverage Ratio

19.24%+136 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.75%1.77%1.93%1.47%1.08%-68 bps
Return on Equity8.52%8.32%8.86%6.69%4.88%-364 bps
Net Interest Margin4.66%4.48%4.69%4.20%4.18%-48 bps
Efficiency Ratio50.92%51.92%48.25%58.49%58.72%+781 bps
Non-Interest Burden2.13%2.08%1.93%2.26%2.25%+12 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 / Loans0.79%-0.02%0.08%0.12%0.11%-68 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