American Momentum Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Momentum Bank of College Station, TX against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.08% | 1.46% | -0.38% | 35th below |
| ROAE | 4.88% | 12.72% | -7.84% | 10th bottom |
| Net Interest Margin | 4.36% | 3.85% | +0.51% | 84th top |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 58.72% | 57.40% | +1.32% | 50th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.75% | 1.88% | -0.13% | 52nd above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.54% | 5.72% | -0.18% | 50th above |
| Cost of Funds | 1.42% | 2.02% | -0.60% | 83rd top |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.13% | 3.18% | -0.05% | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.97% | 1.00% | +2.97% | 2nd bottom |
| NPA / Total Assets | 3.10% | 0.76% | +2.34% | 3rd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.43% | -0.32% | 27th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.17% | 1.31% | -0.14% | 52nd above |
| ACL / NPLs (Coverage) | 29.42% | 543.93% | -514.51% | 3rd bottom |
| Texas Ratio | 16.47% | 7.38% | +9.09% | 10th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 233.39% | 619.10% | -385.71% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 24.90% | 17.33% | +7.57% | 95th top |
| Tier 1 Ratio | 24.90% | 17.36% | +7.54% | 95th top |
| Total Capital Ratio | 26.06% | 18.41% | +7.65% | 95th top |
| Leverage Ratio | 19.24% | 11.43% | +7.81% | 97th top |
| Equity / Assets | 22.15% | 11.32% | +10.83% | 98th top |
| TCE / Tangible Assets | 18.78% | 10.49% | +8.29% | 98th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.36% | 86.95% | +4.41% | 40th below |
| Core Deposit Ratio | 95.64% | 85.54% | +10.10% | 88th top |
| Uninsured Deposit Ratio | 47.53% | 33.11% | +14.42% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.74% | 9.69% | -7.95% | 26th below |
| Loan Growth (Y/Y) | 0.10% | 8.06% | -7.96% | 17th bottom |
| Deposit Growth (Y/Y) | 0.53% | 7.88% | -7.35% | 21st bottom |
See American Momentum Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Momentum Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full American Momentum Bank profile, how to read a UBPR, or how this data updates.