Bank Comparison
U.S. Century Bank vs American Momentum Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 13
winning metrics across 24 comparable rows
Capital adequacy
| Metric | U.S. Century Bank | American Momentum Bank |
|---|---|---|
| CET1 Ratio | 12.74% | 26.06% |
| Tier 1 Capital Ratio | 12.74% | 26.06% |
| Total Capital Ratio | 13.96% | 27.20% |
| Tier 1 Leverage Ratio | 9.88% | 18.94% |
| Equity / Assets | 9.01% | 22.01% |
Profitability
| Metric | U.S. Century Bank | American Momentum Bank |
|---|---|---|
| Return on Assets (ROA) | 1.54% | 1.46% |
| Return on Equity (ROE) | 17.47% | 6.69% |
| Net Interest Margin (NIM) | 3.31% | 4.36% |
| Yield on Earning Assets | 5.36% | 5.53% |
| Cost of Funds | 2.23% | 1.41% |
Asset quality
| Metric | U.S. Century Bank | American Momentum Bank |
|---|---|---|
| Texas Ratio | 1.52% | 16.50% |
| Non-Performing Loan Ratio | 0.19% | 1.99% |
| Non-Performing Asset Ratio | 0.15% | 1.52% |
| Net Charge-Off Ratio | 0.00% | 0.12% |
| ACL / Loans | 1.16% | 1.14% |
Balance sheet
| Metric | U.S. Century Bank | American Momentum Bank |
|---|---|---|
| Total Assets | $2,842M | $2,826M |
| Total Deposits | $2,512M | $2,172M |
| Total Loans | $2,241M | $1,863M |
| Total Equity | $256,161K | $622,111K |
| Net Income (quarter) | $11,016K | $10,324K |
Liquidity & funding
| Metric | U.S. Century Bank | American Momentum Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 89.19% | 85.77% |
| Core Deposit Ratio | 90.85% | 95.57% |
| Uninsured Deposit Ratio | 53.89% | 46.89% |
Identity
| Metric | U.S. Century Bank | American Momentum Bank |
|---|---|---|
| Headquarters City | MIAMI | COLLEGE STATION |
| Headquarters State | FL | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 10 | 32 |
| Employees (FTE) | 211 | 343 |
| Established | Oct. 28, 2002, midnight | Oct. 25, 2006, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full U.S. Century Bank profile | View full American Momentum Bank profile | Browse all bank comparisons