American Momentum Bank

What sets American Momentum Bank apart

• Few banks of $1 bn to $10 bn report a higher noncurrent loans to total loans than American Momentum Bank, at 3.52% in Q2 2026 against a group median of 0.58%.
• Over the year to Q2 2026, the net interest margin of American Momentum Bank fell by 0.48 pp to 4.42%, a bigger fall than at 97% of covered banks.
• Since Q1 2016, American Momentum Bank has taken over 2 institutions; the latest was Security Bank on 29 February 2020.

How large is American Momentum Bank?

The balance sheet of American Momentum Bank at Q2 2026: assets $2.8 bn, deposits $2.2 bn, net loans $2.0 bn (loans equal to 90.30% of deposits). Securities make up 8.7% of total assets at American Momentum Bank. Since Q1 2016, when American Momentum Bank held $1.2 bn, its assets grew 145.0%. In the year to Q2 2026, deposits at American Momentum Bank rose 0.5% while its total assets rose 1.7%. At Q2 2026, American Momentum Bank employed 340 full-time equivalent staff across 31 offices, about $8.4 mn of assets per employee and $70.5 mn of deposits per office.

How much funding at American Momentum Bank is uninsured?

At American Momentum Bank, uninsured deposits (above the FDIC limit) made up 47.53% of domestic deposits at Q2 2026 (-0.01 pp on a year earlier); American Momentum Bank ranks 104th of 500 on this measure. In dollars, American Momentum Bank estimated $1.0 bn of uninsured deposits.

Key facts, Q2 2026

US rank of American Momentum Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of American Momentum Bank stood at 24.90% in Q2 2026, +2.37 pp year on year. Low and high at American Momentum Bank since Q1 2016: 10.96% (Q1 2020) to 26.06% (Q1 2026). Equity capital of American Momentum Bank at Q2 2026: $630.4 mn, or 22.2% of total assets. American Momentum Bank also reported a total capital ratio of 26.06% for Q2 2026, and a tier 1 leverage ratio of 19.24%.

The available-for-sale portfolio of American Momentum Bank showed an unrealized loss of $12.8 mn at Q2 2026; the loss narrowed by $2.5 mn over the year.

For the year to Q2 2026, American Momentum Bank earned a return on equity of 5.78%; return on assets: 1.27%. Net interest margin at American Momentum Bank: 4.42%, -0.48 pp in a year. American Momentum Bank net income: $18.0 mn, down 25.5% year on year. The efficiency ratio of American Momentum Bank was 58.61%: about 59 cents cost per revenue dollar, against 57 cents at the median peer.

At Q2 2026, noncurrent loans were 3.52% of total loans at American Momentum Bank; net charge-offs: 0.12% of average loans. Gross loans and leases at American Momentum Bank: $2.0 bn, up 0.1% in a year.

The peer group of American Momentum Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 3 share the charter type of American Momentum Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Texas. Against them, American Momentum Bank shows CET1 ratio 24.90% against a peer median of 13.50%, return on equity 5.78% against a peer median of 13.02% and uninsured deposit share 47.53% against a peer median of 34.60%.

The FDIC history of American Momentum Bank, oldest first; figures before and after each event are not like for like.

1. 18 January 2019. Absorbed Commercial State Bank (FDIC certificate 17687).
2. 29 February 2020. Absorbed Security Bank (FDIC certificate 13408).

Large one-quarter moves at American Momentum Bank

• Total assets at American Momentum Bank changed by +56.5% in the quarter to 2019-03-31: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Commercial State Bank.
• Total assets at American Momentum Bank changed by +49.9% in the quarter to 2020-03-31: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Security Bank.