BlastPoint's Banking Scorecard
American Momentum Bank
Community
Specialty: Commercial
TX
FDIC cert 58309
College Station, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
American Momentum Bank has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 9% in Community
- + Tier 1 Capital Ratio 15.07% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 13% in Community
- - Deposit Outflow: Bottom 16% in Community
- - Margin Compression: Bottom 47% in Community
- - Capital Constraint: Bottom 80% in Community
- - Delinquency Rate 1.67% above tier
- - Nonperforming Asset Ratio 1.16% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
-0.3% YoY
+0.8% QoQ
|
+$1.4B |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$1.9B
-4.8% YoY
-4.5% QoQ
|
+$881.0M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$2.1B
-3.1% YoY
+0.6% QoQ
|
+$978.5M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
1.78%
-9.1% YoY
+2.7% QoQ
|
+0.62% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
4.86%
-8.1% YoY
+0.5% QoQ
|
+1.20% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
50.76%
+4.4% YoY
-1.7% QoQ
|
-11.87% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
2.30%
+54.1% YoY
+29.9% QoQ
|
+1.67% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
86.62%
-1.7% YoY
-5.0% QoQ
|
+3.56% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
40.71%
-3.8% YoY
-1.4% QoQ
|
+19.66% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
1.65%
+25.8% YoY
+9.1% QoQ
|
+1.16% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
25.31%
+22.9% YoY
+8.0% QoQ
|
+15.07% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.42%
-9.4% YoY
+48.1% QoQ
|
-0.32% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (2)
Deposit Franchise
growth
#14 of 150 · Top 9% in Community
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:
40.71%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.86%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Tier 1 Capital Ratio
metric
Top 2%
in Community
Why this stands out
Current:
25.31%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (6)
Liquidity Overhang
risk
#35 of 268 · Bottom 13% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
25.31%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
86.62%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#40 of 248 · Bottom 16% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Margin Compression
decline
#57 of 120 · Bottom 47% in Community
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:
1.78%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Capital Constraint
risk
#38 of 47 · Bottom 80% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
86.62%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
25.31%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Delinquency Rate
metric
Bottom 8%
in Community
Why this stands out
Current:
2.30%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
1.65%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Tier 1 Capital Ratio
Current: 25.31% · Tier avg: 10.24%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 40.71% · Tier avg: 21.05%
93
93th pctile
Net Interest Margin
Current: 4.86% · Tier avg: 3.66%
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B
87
87th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
87
87th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
86
86th pctile
Return on Assets
Current: 1.78% · Tier avg: 1.16%
82
82th pctile
Efficiency Ratio
Current: 50.76% · Tier avg: 62.63%
44
44th pctile
Loan-to-Deposit Ratio
Current: 86.62% · Tier avg: 83.06%
37
37th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.65% · Tier avg: 0.50%
8
8th pctile
Delinquency Rate
Current: 2.30% · Tier avg: 0.63%
Top Weaknesses
8
8th pctile
Delinquency Rate
Current: 2.30% · Tier avg: 0.63%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.65% · Tier avg: 0.50%
37
37th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
44
44th pctile
Loan-to-Deposit Ratio
Current: 86.62% · Tier avg: 83.06%
82
82th pctile
Efficiency Ratio
Current: 50.76% · Tier avg: 62.63%
86
86th pctile
Return on Assets
Current: 1.78% · Tier avg: 1.16%
87
87th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
87
87th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B
93
93th pctile
Net Interest Margin
Current: 4.86% · Tier avg: 3.66%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 40.71% · Tier avg: 21.05%
98
98th pctile
Tier 1 Capital Ratio
Current: 25.31% · Tier avg: 10.24%