BlastPoint's Banking Scorecard

American Momentum Bank

$1B-$10B Specialty: Commercial TX FDIC cert 58309

College Station, TX

31 branches across TX · FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
Deposits +0.5% year over year ($2.2B on the books).
Delinquency rate 3.56%.
Return on assets 1.27%.
Efficiency ratio 58.61% vs a 59.73% peer average.
Loan-to-deposit ratio 90.30% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

American Momentum Bank has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 27.5% in tier
+ Efficiency Ratio 1.12% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 5.3% in tier
- Margin Compression: Bottom 7.1% in tier
- Liquidity Overhang: Bottom 8.1% in tier
- Cost Spiral: Bottom 38.7% in tier
- Delinquency Rate 2.69% above tier average
- Nonperforming Asset Ratio 2.11% above tier average

Get updates when American Momentum Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$2.8B +1.7% YoY +0.7% QoQ	+$52.5M	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	67%
Total Loans ?	$2.0B +0.1% YoY +7.0% QoQ	+$9.0M	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	66%
Total Deposits ?	$2.2B +0.5% YoY +0.5% QoQ	-$134.7M	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	63%
Return on Assets ?	1.27% -25.9% YoY -13.4% QoQ	-0.12%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	51%
Net Interest Margin ?	4.42% -9.7% YoY -0.6% QoQ	+0.55%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	85%
Efficiency Ratio ?	58.61% +13.8% YoY +0.2% QoQ	-1.12%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	52%
Delinquency Rate ?	3.56% +172.0% YoY -8.6% QoQ	+2.69%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 3.4% in tier
Loan-to-Deposit Ratio ?	90.30% -0.5% YoY +6.5% QoQ	+5.26%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	40%
Non-Interest-Bearing Deposit Share ?	40.89% -3.2% YoY -0.8% QoQ	+19.62%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 3.8% in tier
Nonperforming Asset Ratio ?	2.78% +133.4% YoY +1.4% QoQ	+2.11%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 2.9% in tier
Tier 1 Capital Ratio ?	24.90% +10.6% YoY -4.4% QoQ	+10.06%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 4.1% in tier
Non-Interest Income / Assets ?	0.16% -8.0% YoY +101.6% QoQ	-0.36%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	23%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	40.9% -1.3pp YoY -0.3pp QoQ	+19.5pp	21.4%	29.2%	22.2%	96%
Brokered Deposits	n/a	n/a	9.5%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	16.8% +2.2pp YoY +3.4pp QoQ	+2.8pp	14.0%	14.8%	12.5%	72%
CRE	59.2% -3.1pp YoY -2.1pp QoQ	+9.2pp	50.0%	48.4%	41.4%	74%
1-4 Family	24.3% +1.0pp YoY -1.2pp QoQ	-2.1pp	26.4%	25.8%	31.3%	53%
Consumer	0.2% 0.0pp YoY +0.1pp QoQ	-4.5pp	4.7%	4.7%	5.0%	18%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	24.9% +2.4pp YoY -1.2pp QoQ	+9.3pp	15.6%	22.7%	19.7%	96%
Leverage Ratio	19.2% +1.4pp YoY +0.3pp QoQ	+7.9pp	11.3%	12.6%	12.6%	98%
Total Capital Ratio	26.1% +2.4pp YoY -1.1pp QoQ	+9.4pp	16.7%	23.8%	20.8%	96%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	340 -10 (-2.9%) YoY -3 (-0.9%) QoQ	+26	313	186	482	71%
Assets per Employee ($)	$8.4M +4.7% YoY +1.6% QoQ	-$2.1M	$10.5M	$10.1M	$8.8M	46%
Branch Count	31 -1 (-3.1%) YoY 0 QoQ	+11	20	12	18	83%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	3.6% +3.4pp YoY +2.0pp QoQ	+2.7pp	0.8%	1.0%	1.0%	97%
Allowance Coverage	0.33x -62.0% YoY +12.0% QoQ	-18.38x	18.71x	18.82x	20.23x	3%
Net Charge-off Rate (YTD)	0.1% -0.3pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.1%	0.2%	70%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	5.8% -2.7pp YoY -0.9pp QoQ	-6.8pp	12.6%	13.2%	11.6%	11%
Cost of Funds (YTD)	1.2% -0.1pp YoY 0.0pp QoQ	-0.7pp	1.9%	1.6%	1.7%	10%
Net Income ($, YTD)	$18.0M -25.5% YoY — QoQ	-$1.3M	$19.2M	$15.9M	$40.4M	66%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#23 of 80 • Top 27.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 40.89%

(Tier: 21.27%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.42%

(Tier: 3.87%, National: 3.95%)

better than tier avg

80 of 80 Mid-Market banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank declining

Concerns (4)

Liquidity Strain

risk

#20 of 361 • Bottom 5.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.30%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ

Margin Compression

decline

#7 of 85 • Bottom 7.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.27%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#15 of 172 • Bottom 8.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 24.90%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 90.30%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ

Cost Spiral

risk

#13 of 31 • Bottom 38.7% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 58.61%

(Tier: 59.73%, National: 70.05%)

better than tier avg

31 of 31 Mid-Market banks match · 184 nationally

→ Stable +9 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 40.89%

Peer Median: 21.27%

#35 of 885 Top 3.8% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 24.90%

Peer Median: 14.84%

#37 of 885 Top 4.1% in $1B-$10B

136

Net Interest Margin

profitability

Value: 4.42%

Peer Median: 3.87%

#136 of 885 Top 15.3% in $1B-$10B

Top Weaknesses (3 metrics)

860

Nonperforming Asset Ratio

credit_quality

Value: 2.78%

Peer Median: 0.67%

#860 of 885 Bottom 2.9% in $1B-$10B

853

Delinquency Rate

credit_quality

Value: 3.56%

Peer Median: 0.87%

#853 of 882 Bottom 3.4% in $1B-$10B

681

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.53%

#681 of 885 Bottom 23.2% in $1B-$10B