American Momentum Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 5.59 percentage points in Q2 2026, from 85.77% to 91.36%. It was the largest change from Q1 2026 among the key lines here. American Momentum Bank ranks 46th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 91.36% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. American Momentum Bank sits 3.16 points higher, at 91.36% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.00B |
| Net loans and leases | $1.97B |
| Loans held for sale | $6.3M |
| Loans to total assets | 70.12% |
| Loan-to-deposit ratio | 91.36% |
| Net loans to equity capital | 3.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.33% |
| Multifamily (5+ residential) | 15.66% |
| Commercial and industrial | 16.64% |
| Consumer | 0.19% |
| Credit cards | 0.00% |
| Farm | 0.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 172.94% |
| Construction concentration (Tier 1 capital + allowance) | 42.18% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.23% |
| Interest income on loans | $30.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.80B | $2.06B | 32.77% | 16.15% | 0.18% |
| Q4 2023 | $1.87B | $2.05B | 33.13% | 16.71% | 0.17% |
| Q1 2024 | $1.88B | $2.02B | 32.77% | 16.42% | 0.15% |
| Q2 2024 | $1.93B | $2.05B | 31.80% | 15.61% | 0.14% |
| Q3 2024 | $1.92B | $2.10B | 31.31% | 14.98% | 0.14% |
| Q4 2024 | $1.97B | $2.21B | 30.61% | 14.96% | 0.15% |
| Q1 2025 | $1.99B | $2.21B | 32.73% | 13.82% | 0.13% |
| Q2 2025 | $1.99B | $2.17B | 32.19% | 14.50% | 0.19% |
| Q3 2025 | $1.97B | $2.13B | 32.89% | 14.54% | 0.12% |
| Q4 2025 | $1.88B | $2.14B | 34.10% | 12.82% | 0.12% |
| Q1 2026 | $1.86B | $2.17B | 33.18% | 13.32% | 0.12% |
| Q2 2026 | $2.00B | $2.18B | 31.33% | 16.64% | 0.19% |
American Momentum Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Momentum Bank, freeSource: Call Report Schedule RC-C, 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)