American Momentum Bank: how it compares with its peers
Against 49 TX banks with half to twice its assets, American Momentum Bank's strongest measure in Q2 2026 is net interest margin (4.42% vs. a 3.87% peer median). Its weakest relative measure is return on assets (1.27% vs. 1.59%).
| Measure | American Momentum Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.27% | 1.59% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.42% | 3.87% | Top third Ahead of 80% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.61% | 55.49% | Middle third Ahead of 37% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $9.2M | Middle third Ahead of 40% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.30% | 75.01% | Context |
What it means for lending operations
Its efficiency ratio of 58.61% is above the 55.49% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Jefferson Bank San Antonio, TX · $2.88B
- West Texas National Bank Midland, TX · $2.88B
- American First National Bank Houston, TX · $2.89B
- Texas Regional Bank Harlingen, TX · $2.95B
- TIB National Association Farmers Branch, TX · $2.96B
- Pinnacle Bank Fort Worth, TX · $2.72B
Questions about American Momentum Bank
How big is American Momentum Bank?
American Momentum Bank, established in 2006, is headquartered in College Station, TX. It reported $2.85B in total assets in its Q2 2026 FDIC call report and operates 31 offices.
What is American Momentum Bank's return on assets?
1.27% annualized in Q2 2026, against a 1.59% median for 49 TX banks with half to twice its assets, ahead of 33% of them.
What is American Momentum Bank's efficiency ratio?
58.61% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 55.49%, and lower is better.
Is American Momentum Bank growing its loans?
Net loans grew 0.1% over the year to Q2 2026, while deposits grew 0.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.