Headquartered in College Station, Texas, American Momentum Bank is a state-chartered bank with $2.8B in total assets and $2.2B in deposits as of Q2 2026. It operates 31 offices across 2 states. Its charter dates back to 2006.
American Momentum Bank has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 313th. Capital cushion contributes the most (100/100, 19.24%); loan quality contributes the least (0/100, 3.52%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 19 points (76 → 57), mostly because the loan quality component weakened by 57 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 84 |
| Q4 2024 | 76 |
| Q1 2025 | 77 |
| Q2 2025 | 76 |
| Q3 2025 | 72 |
| Q4 2025 | 68 |
| Q1 2026 | 59 |
| Q2 2026 | 57 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.67% |
| Q3 2024 | 17.00% |
| Q4 2024 | 16.71% |
| Q1 2025 | 17.31% |
| Q2 2025 | 17.88% |
| Q3 2025 | 18.48% |
| Q4 2025 | 18.78% |
| Q1 2026 | 18.94% |
| Q2 2026 | 19.24% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.66% |
| Q3 2024 | 0.66% |
| Q4 2024 | 1.47% |
| Q1 2025 | 1.13% |
| Q2 2025 | 1.29% |
| Q3 2025 | 1.75% |
| Q4 2025 | 2.27% |
| Q1 2026 | 3.85% |
| Q2 2026 | 3.52% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.98% |
| Q3 2024 | 1.99% |
| Q4 2024 | 1.96% |
| Q1 2025 | 1.67% |
| Q2 2025 | 1.72% |
| Q3 2025 | 1.74% |
| Q4 2025 | 1.78% |
| Q1 2026 | 1.47% |
| Q2 2026 | 1.27% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $2.8B | 19.24% | 3.52% | 1.27% | 90.3% |
| Q1 2026 | 59 | $2.8B | 18.94% | 3.85% | 1.47% | 84.8% |
| Q4 2025 | 68 | $2.8B | 18.78% | 2.27% | 1.78% | 86.6% |
| Q3 2025 | 72 | $2.8B | 18.48% | 1.75% | 1.74% | 91.2% |
| Q2 2025 | 76 | $2.8B | 17.88% | 1.29% | 1.72% | 90.7% |
| Q1 2025 | 77 | $2.8B | 17.31% | 1.13% | 1.67% | 89.0% |
| Q4 2024 | 76 | $2.8B | 16.71% | 1.47% | 1.96% | 88.1% |
| Q3 2024 | 84 | $2.7B | 17.00% | 0.66% | 1.99% | 90.2% |
| Q2 2024 | 84 | $2.6B | 16.67% | 0.66% | 1.98% | 93.2% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Jefferson BankBank San Antonio, TX | 61 out of 100, Moderate | $2.9B | 9.8% | 0.75% | vs |
| West Texas National BankBank Midland, TX | 60 out of 100, Moderate | $2.9B | 10.5% | 1.67% | vs |
| American First National BankBank Houston, TX | 87 out of 100, Very strong | $2.9B | 14.4% | 0.42% | vs |
| Texas Regional BankBank Harlingen, TX | 53 out of 100, Below average | $2.9B | 8.8% | 0.59% | vs |
| TIB National AssociationBank Farmers Branch, TX | 76 out of 100, Strong | $3.0B | 13.2% | 0.84% | vs |
| Pinnacle BankBank Fort Worth, TX | 75 out of 100, Strong | $2.7B | 10.9% | 0.13% | vs |
Deposit insurance
Is my money safe at American Momentum Bank?
Yes. American Momentum Bank is an FDIC-insured institution (FDIC certificate #58309). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 47.5% of deposits ($1.0B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 19.24%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 26.06% (benchmark: 10%).
31 locations
Branches
American Momentum Bank lists 26 offices in 19 cities across 2 states. Most locations:
- Odessa, TX (4)
- College Station, TX (2)
- Midland, TX (2)
- Sarasota, FL (2)
- Tampa, FL (2)
- Andrews, TX (1)
- Big Lake, TX (1)
- Bryan, TX (1)
- Clearwater, FL (1)
- Crane, TX (1)
- Devine, TX (1)
- Lubbock, TX (1)
Identity & history
Profile
- Legal name
- American Momentum Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58309
- RSSD ID
- 3447576
- Primary regulator
- FDIC
- Holding company
- Adam Corp Group the
- Established
- October 25, 2006
- Headquarters
- 1 Momentum Blvd, College Station, TX 77845
- Website
- www.americanmomentum.bank
- Employees
- 340
Quick answers
American Momentum Bank: common questions
Is American Momentum Bank FDIC insured?
Yes. American Momentum Bank is an FDIC-insured institution (FDIC certificate #58309). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is American Momentum Bank's TellerScore?
57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has American Momentum Bank ever failed?
There is no failure record for FDIC certificate #58309 in the FDIC failed bank list.
How many branches does American Momentum Bank have?
31 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near College Station
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of HuntsvilleBank Huntsville, TX | 90 out of 100, Very strong | $584.9M | 13.3% | 0.05% | vs |
| Brazos Star Credit UnionCredit union College Station, TX | 88 out of 100, Very strong | $35.5M | 15.1% | 0.40% | vs |
| First National Bank of Central TexasBank Waco, TX | 81 out of 100, Strong | $1.8B | 10.8% | 0.10% | vs |
| First State Bank of BediasBank Bedias, TX | 81 out of 100, Strong | $224.8M | 17.9% | 2.01% | vs |
| The First National Bank of AndersonBank Anderson, TX | 81 out of 100, Strong | $230.4M | 12.0% | 0.16% | vs |
| SouthStar Bank, S.S.B.Bank Moulton, TX | 77 out of 100, Strong | $1.4B | 13.3% | 0.62% | vs |