American Momentum Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 6.3% to $2.10B. Within Texas, American Momentum Bank is 43rd of 184 on CET1 ratio, 24.90% as of Q2 2026, above the middle of the field. American Momentum Bank's CET1 ratio of 24.90% is well above the 13.48% median for banks in the $1B-10B asset tier, a gap of 11.42 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.90% |
| Tier 1 risk-based capital ratio | 24.90% |
| Total risk-based capital ratio | 26.06% |
| Tier 1 leverage ratio | 19.24% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $522.3M |
| Tier 1 capital | $522.3M |
| Total risk-based capital | $546.6M |
| Total equity capital | $630.4M |
| Risk-weighted assets | $2.10B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 22.15% |
| Tangible equity to tangible assets | 18.78% |
| Equity capital to average assets | 22.25% |
| Internal capital growth rate | 4.91% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $99.9M |
| Common stock surplus | $189.5M |
| Retained earnings | $351.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 17.51% | 17.51% | 18.56% | 14.97% | $2.15B |
| Q4 2023 | 17.78% | 17.78% | 18.86% | 15.80% | $2.20B |
| Q1 2024 | 18.65% | 18.65% | 19.75% | 16.34% | $2.17B |
| Q2 2024 | 19.15% | 19.15% | 20.20% | 16.67% | $2.17B |
| Q3 2024 | 20.25% | 20.25% | 21.47% | 17.00% | $2.12B |
| Q4 2024 | 20.59% | 20.59% | 21.80% | 16.71% | $2.15B |
| Q1 2025 | 21.64% | 21.64% | 22.89% | 17.31% | $2.15B |
| Q2 2025 | 22.53% | 22.53% | 23.64% | 17.88% | $2.12B |
| Q3 2025 | 23.44% | 23.44% | 24.55% | 18.48% | $2.09B |
| Q4 2025 | 25.31% | 25.31% | 26.47% | 18.78% | $1.99B |
| Q1 2026 | 26.06% | 26.06% | 27.20% | 18.94% | $1.97B |
| Q2 2026 | 24.90% | 24.90% | 26.06% | 19.24% | $2.10B |
American Momentum Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Momentum Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American Momentum Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58309) · FFIEC NIC profile (RSSD 3447576)