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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

American Momentum Bank

College Station, Texas · $2.85B in assets · beside the 11 other Texas banks between $1B and $3B

The filing

3.52%
NPA / loans
12th of 12
22.2%
Equity / assets
2nd of 12
0.3x
Coverage of noncurrent
10th of 11

American Momentum Bank is the seventh largest of the 12 Texas banks nearest its size between $1B and $3B, with $2.85B in assets at 30 June 2026. Loans are 91.4% of deposits, 9th of 12 against a median of 78.6%, and equity is 22.2% of assets, 2nd of 12. Loans grew +0.1% in the year, 8th of 12, and deposits grew 0.5%; the cohort's median loan growth is +1.1%.

Noncurrent loans are 3.52% of the book, the highest in the cohort against a median of 0.67%; 0.11% is 30 to 89 days past due, and the allowance covers them 0.3 times. Net charge-offs are 0.11% of loans, 10th of 12. Commercial real estate is 47.3% of loans, 9th of 12 against a median of 36.7%, and 173% of capital, below the 300% screen, with construction at 42% against the 100% screen.

Return on assets is 1.27%, 8th of 12 against a median of 1.50%, on an efficiency ratio of 59.6%, 8th of 12. Five years ago it was 1.08%. The question is where the nonperforming loans sit by category, and whether the allowance and the capital behind them hold under a loss path.

Nonperforming loans, share of loansTX banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 0.67% HB Horizon Bank SSB 0.00% EB Extraco Banks National Association 0.04% PB Pinnacle Bank 0.13% SB Susser Bank 0.42% AF American First National Bank 0.42% TR Texas Regional Bank 0.59% JB Jefferson Bank 0.75% TN Tib National Association 0.84% WF Wells Fargo Bank S Central N.A. 1.24% WT West Texas National Bank 1.67% SB State Bank of Texas 2.16% AM American Momentum Bank 3.52%
Loans, year over yearTX banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +1.1% SB Susser Bank +12.8% TR Texas Regional Bank +12.5% HB Horizon Bank SSB +6.1% PB Pinnacle Bank +5.4% JB Jefferson Bank +4.5% WT West Texas National Bank +1.2% EB Extraco Banks National Association +1.1% AM American Momentum Bank +0.1% AF American First National Bank -0.0% TN Tib National Association -6.3% SB State Bank of Texas -7.0% WF Wells Fargo Bank S Central N.A. -14.6%

SBA 7(a), FY2008 to FY2026

American Momentum Bank is the 67th largest 7(a) lender into Texas of 706, with $154M across 173 loans, 0.3% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 36 of its 144 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Hillsborough, FL$21M30th of 1950.9%-0.9 pts
Pinellas, FL$19M27th of 1711.2%-2.8 pts
Ector, TX$17M2nd of 716.3%-3.6 pts
Duval, FL$17M18th of 1711.3%-1.8 pts
Bexar, TX$14M35th of 2370.7%-0.7 pts
Dallas, TX$14M77th of 3140.2%-0.6 pts
Ellis, TX$13M3rd of 1035.3%+11.3 pts
Midland, TX$12M3rd of 904.9%-2.3 pts
Gaines, TX$9M1st of 1855.2%-39.3 pts
Brazos, TX$7M6th of 923.4%quiet FY2019
Kendall, TX$7M5th of 516.8%quiet FY2021
Maricopa, AZ$7M93rd of 3030.1%thin
Pasco, FL$7M25th of 1341.3%-0.7 pts
131 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Other services64$64M16.6%0.18%95th of 2,248
Retail trade72$53M13.7%0.09%174th of 2,589
Health care & social assistance57$49M12.6%0.10%138th of 2,172
Accommodation & food services47$40M10.2%0.05%254th of 2,596
Construction36$38M9.9%0.12%135th of 2,063
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and American Momentum Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans AM American Momentum Bank 0.4% $154M · 173 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
American Momentum BankRankCohort median
Total CRE against capital, the 300% screen173%5th of 12247%
Construction against capital, the 100% screen42%5th of 1248%
Construction and land development, share of loans11.5%8th of 128.7%
Non-owner-occupied nonfarm nonresidential, share of loans20.1%6th of 1220.7%
Total CRE, the guidance definition, share of loans47.3%9th of 1236.7%
CRE growth over 36 months, the third prong-2.8%3rd of 12+8.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Susser Bank$2.99B1.0%62.2%0.42%0.01%1.3%83.2%10.3%
Tib National Association$2.96B1.7%57.7%0.84%0.26%1.4%75.4%14.6%
Texas Regional Bank$2.95B0.3%88.8%0.59%0.07%1.1%72.4%9.2%
American First National Bank$2.89B2.1%38.1%0.42%0.08%1.1%98.8%14.2%
West Texas National Bank$2.88B1.6%46.5%1.67%0.88%1.9%58.6%10.2%
Jefferson Bank$2.88B1.1%74.8%0.75%0.01%0.8%75.6%8.6%
American Momentum Bank$2.85B1.3%59.6%3.52%0.11%1.2%91.4%22.2%
Pinnacle Bank$2.72B1.4%52.3%0.13%0.01%1.2%81.6%13.2%
Wells Fargo Bank S Central N.A.$2.59B1.7%14.5%1.24%0.01%0.1%102.3%30.1%
State Bank of Texas$2.59B4.2%21.4%2.16%0.00%1.0%97.8%16.4%
Extraco Banks National Association$2.57B0.8%75.7%0.04%0.04%2.4%64.4%8.4%
Horizon Bank SSB$2.55B1.7%52.6%0.00%0.02%1.7%74.0%8.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
American Momentum BankCohort median
20212026Change20212026Change
Loans$1.75B$2.00B+14%$1.10B$1.85B+69%
Deposits$2.24B$2.18B-3%$1.75B$2.35B+35%
NPA / loans1.30%3.52%+2.22 pts0.19%0.67%+0.48 pts
Efficiency62.9%59.6%-3.4 pts65.5%55.1%-10.3 pts
ROA1.08%1.27%+0.19 pts1.03%1.50%+0.46 pts

This read was prepared for American Momentum Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on American Momentum Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $1B to $3B
Institution www.americanmomentum.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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