American Momentum Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 24.90% was down 116bps from the prior quarter. Asset quality shifted last quarter, NPLs rose to 3.97% from 1.99% in the prior period. American Momentum Bank is an FDIC-insured commercial bank. Profitability tracks the broader industry: ROA 1.08%, ROE 4.88%, NIM 4.36%. American Momentum's Q2 2026 balance sheet shows $2.8B in assets funded primarily by $2.2B in customer deposits. Capital cushions are healthy: 24.90% CET1, 19.24% Tier 1 leverage. Credit metrics show stress, 3.97% NPLs and a 16.47% Texas Ratio above the 100% historical failure threshold. American Momentum operates a 31-branch network.
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 3.97%, a Texas ratio of 16.47%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1 Momentum Blvd, College Station, TX 77845
- County
- Brazos
- Metro Area
- College Station-Bryan, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 25, 2006
- Offices
- 31 domestic
- Employees (FTE)
- 340
- Domestic deposits
- $2.18B
- Allowance for credit losses
- $23.3M
- Net charge-offs (YTD)
- $1.1M
- Average total assets
- $2.83B
- Average total loans
- $1.95B
- Average interest-bearing deposits
- $1.29B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 25, 2006
- FDIC Cert
- 58309
- Fed RSSD
- 3447576
- Website
- www.americanmomentum.bank →
- Parent Holding Company
- ADAM BANK GROUP, INC. (RSSD 3447567)
- Ultimate Parent
- ADAM CORPORATION/GROUP, THE (RSSD 5902912)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full American Momentum Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock American Momentum Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
American Momentum Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for American Momentum Bank: CET1 ratio, Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.90% | 1.08% | 3.97% | 16.47% | 4.36% |
| Q1 2026 | 26.06% | 1.46% | 1.99% | 16.50% | 4.36% |
| Q4 2025 | 25.31% | 1.92% | 1.85% | 9.06% | 4.88% |
| Q3 2025 | 23.44% | 1.78% | 1.73% | 8.35% | 4.68% |
| Q2 2025 | 22.53% | 1.76% | 0.24% | 6.95% | 4.86% |
| Q1 2025 | 21.64% | 1.68% | 1.05% | 8.49% | 4.79% |
| Q4 2024 | 20.59% | 1.87% | 0.56% | 8.28% | 5.03% |
| Q3 2024 | 20.25% | 2.01% | 1.25% | 8.13% | 5.24% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 28 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Momentum Bank (main office) | College Station , TX | 77845 | $480.0M |
| Pelican Bay Branch | Naples , FL | 34108 | $243.7M |
| Billy Hext Branch | Odessa , TX | 79765 | $179.2M |
| Graham Road Branch | College Station , TX | 77845 | $154.1M |
| Security Midland Branch | Midland , TX | 79701 | $146.9M |
| Urban Center Branch | Tampa , FL | 33609 | $117.2M |
| Big Lake Branch | Big Lake , TX | 76932 | $101.4M |
| West Wadley Branch | Midland , TX | 79707 | $88.4M |
| Monahans Branch | Monahans , TX | 79756 | $75.8M |
| Andrews | Andrews , TX | 79714 | $71.7M |
| Fruitville Road Branch | Sarasota , FL | 34232 | $48.3M |
| Mc Camey Branch | Mc Camey , TX | 79752 | $46.4M |
| Devine Branch | Devine , TX | 78016 | $45.9M |
| Lake Magdalene Branch | Tampa , FL | 33613 | $45.5M |
| Winter Garden Branch | Winter Garden , FL | 34787 | $41.7M |
| San Antonio Branch | San Antonio , TX | 78248 | $39.2M |
| Crane Branch | Crane , TX | 79731 | $37.1M |
| North Country Road Branch | Odessa , TX | 79764 | $35.8M |
| Odessa Grandview Branch | Odessa , TX | 79761 | $33.7M |
| Villa Maria Branch | Bryan , TX | 77802 | $28.0M |
| Seminole Branch | Seminole , TX | 79360 | $27.4M |
| Odessa Branch | Odessa , TX | 79762 | $26.5M |
| Lubbock Branch | Lubbock , TX | 79424 | $25.1M |
| South Washington Branch | Sarasota , FL | 34236 | $21.2M |
| Harbor Oaks Branch | Clearwater , FL | 33756 | $10.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 29, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 29, 2020 | Structure Change | Acquired Security Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 19, 2019 | Structure Change | Acquired Commercial State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 18, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 14, 2012 | Structure Change | Acquired Brazos Valley Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 13, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 23, 2011 | Structure Change | Acquired Landmark Bank of Florida Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 22, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 9, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 9, 2009 | Structure Change | Acquired Texas First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
What the public regulatory sources show for American Momentum Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in TX, rank 79 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 408 applications, 268 loans originated, $134.4M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about American Momentum Bank
What are American Momentum Bank's total assets?
As of the Q2 2026 filing, American Momentum Bank reported total assets of $2.85 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is American Momentum Bank headquartered?
American Momentum Bank is headquartered in College Station, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was American Momentum Bank founded?
American Momentum Bank was established in 2006, per the FDIC institution directory.
Is American Momentum Bank FDIC-insured?
Yes. American Momentum Bank is an FDIC-insured commercial bank (FDIC Certificate #58309). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Momentum Bank?
American Momentum Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is American Momentum Bank's CET1 capital ratio?
American Momentum Bank reported a Common Equity Tier 1 (CET1) capital ratio of 24.90% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does American Momentum Bank operate?
American Momentum Bank operates 31 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Momentum Bank's Texas Ratio?
American Momentum Bank's Texas Ratio is 16.47% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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