American Momentum Bank

Problem loans are rising at American Momentum Bank. It reported $2.8 billion in assets at June 30, 2026, up 1.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.52% of loans from 1.29% a year earlier. It returns 4.9% a year on shareholders' equity, about a third the median of 12.6% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it holds common equity equal to 24.90% of its risk-weighted assets, about double the median of 13.52% for banks its size.

Its $332 million commercial and industrial book is improving, with 4.25% past due or on nonaccrual, down from 8.86% a year earlier. Delinquency has appeared in its $312 million multifamily book: 13.08% of those loans are past due or on nonaccrual, against almost none a year earlier. Credit is the area to watch: it carries problem assets equal to 14.8% of the capital and reserves that would absorb them, 4.1 times the median of 3.6% for banks its size.

As of June 30, 2026, American Momentum Bank reported a CET1 capital ratio of 24.90%, a return on assets of 1.08%, a nonperforming-loan ratio of 3.52% and a Texas ratio of 14.78%. The figures come from its call report filed with the FFIEC.