BlastPoint's Banking Scorecard
American Momentum Bank
College Station, TX
32 branches across TX · FL
American Momentum Bank has 3 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 23.3% in tier
- + ROA 0.10% above tier average
- + Efficiency Ratio 2.57% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 8.6% in tier
- - Cost Spiral: Bottom 9.7% in tier
- - Margin Compression: Bottom 42.9% in tier
- - Delinquency Rate 3.01% above tier average
- - Nonperforming Asset Ratio 2.07% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
+0.1% YoY
+1.3% QoQ
|
+$11.2M |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
67% |
| Total Loans ? |
$1.8B
-6.4% YoY
-0.8% QoQ
|
-$122.5M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
63% |
| Total Deposits ? |
$2.2B
-1.7% YoY
+1.4% QoQ
|
-$170.6M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
63% |
| Return on Assets ? |
1.47%
-12.2% YoY
-17.6% QoQ
|
+0.10% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
69% |
| Net Interest Margin ? |
4.44%
-9.0% YoY
-8.6% QoQ
|
+0.63% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 13.2% in tier |
| Efficiency Ratio ? |
58.49%
+12.3% YoY
+15.2% QoQ
|
-2.57% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
53% |
| Delinquency Rate ? |
3.90%
+241.4% YoY
+69.4% QoQ
|
+3.01% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 2.2% in tier |
| Loan-to-Deposit Ratio ? |
84.79%
-4.8% YoY
-2.1% QoQ
|
+0.59% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
41.22%
-0.0% YoY
+1.3% QoQ
|
+19.93% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 4.3% in tier |
| Nonperforming Asset Ratio ? |
2.74%
+161.3% YoY
+65.8% QoQ
|
+2.07% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 3.4% in tier |
| Tier 1 Capital Ratio ? |
26.06%
+20.5% YoY
+2.9% QoQ
|
+10.90% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 3.6% in tier |
| Non-Interest Income / Assets ? |
0.08%
+1.6% YoY
-80.6% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
23% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (3)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.