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American Momentum Bank
College Station, TX · FDIC Certificate #58309 · Chartered 10/2
Total assets
$2.85B
Total deposits
$2.18B
Total equity
$630.42M
Net loans
$1.97B
Branches (offices)
28
Net income (YTD)
$17.96M
Rank: #452 of 4,213 U.S. banks by assets · #38 of 346 in Texas. Assets changed 1.7% and deposits 0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.27% |
| Return on equity | 5.78% |
| Net interest margin (YTD) | 4.42% |
| Equity to assets | 22.15% |
| Tier 1 leverage ratio | 19.24% |
| Uninsured deposits (share of deposits) | 47.5% |
| Noncurrent loans (share of loans) | 3.52% |
| Net charge-offs (share of loans) | 0.12% |
| Loans to deposits | 90.3% |
| Real estate loans (share of loans) | 84.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.66B | 84.1% | |
| Commercial & industrial | $332.14M | 16.8% | |
| Consumer / individual | $3.78M | 0.2% | |
| Construction & development | $230.16M | 11.7% | |
| Agricultural | $646.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.84B | $2.36B | $15.48M | $427.08M |
| Jun 2023 | $2.66B | $2.15B | $28.20M | $464.44M |
| Jun 2024 | $2.60B | $2.05B | $25.57M | $518.47M |
| Jun 2025 | $2.80B | $2.17B | $24.09M | $585.47M |
| Jun 2026 | $2.85B | $2.18B | $17.96M | $630.42M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.64B | 18 |
| Florida | $541.46M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.18B.
Similar-sized banks
Lakeside Bank ($2.85B) · Armstrong Bank ($2.84B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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