American Momentum Bank
College Station, Texas, Brazos County
$2.8B in total assets, the 464th largest of 4,309 US banks and 39th of 352 headquartered in Texas.
- FDIC certificate
- 58309
- Established
- 2006
- Owned by
- Adam Corp Group The
- Primary regulator
- FDIC
- Website
- www.americanmomentum.bank
At a glance
Compared with 77 banks headquartered in Texas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.8B | 68% | $2.2B | |
| Loans | $2.0B | 75% | $1.3B | |
| Deposits | $2.2B | 65% | $1.7B | |
| Return on assets | 1.56% | 54% | 1.53% | |
| Net interest margin | 4.42% | 71% | 3.95% | |
| Efficiency ratio | 58.6% | 58% | 57.5% | |
| Equity to assets | 22.15% | 97% | 10.59% | |
| Loans to deposits | 91% | 79% | 80% |
Growth
Total assets grew 1.4% a year over the last 5 years and 9.9% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2020 | Security Bank Midland, TX | $935M |
| Jan 2019 | Commercial State Bank Andrews, TX | $676M |
| Apr 2012 | Brazos Valley Bank, National Association College Station, TX | $109M |
| Jul 2011 | LandMark Bank of Florida Sarasota, FL | $266M |
| Jul 2011 | Southshore Community Bank Apollo Beach, FL | $41M |
| Jan 2009 | Texas First Bank College Station, TX | $66K |
Where they operate
29 branches in 18 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Brazos County, TX | $662M | 8.4% | 5 of 24 |
| Ector County, TX | $275M | 6.9% | 6 of 18 |
| Collier County, FL | $244M | 1.3% | 18 of 37 |
| Midland County, TX | $235M | 2.6% | 9 of 15 |
| Hillsborough County, FL | $163M | 0.4% | 26 of 51 |
| Reagan County, TX | $101M | 66.0% | 1 of 2 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 10 branches since 2016 (19 to 29, +52.6%). 1 opened, 19 acquired, 10 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 19 | |||
| 2016 | Opened Fort MyersClosed Naples | 1 | 1 | 0 | 19 |
| 2017 | Closed 4 in Florida | 0 | 4 | −4 | 15 |
| 2019 | Acquired Commercial State Bank | 7 | 0 | +7 | 22 |
| 2020 | Acquired Security BankClosed 3 in Texas | 12 | 3 | +9 | 31 |
| 2023 | Closed Midland | 0 | 1 | −1 | 30 |
| 2025 | Closed Sarasota | 0 | 1 | −1 | 29 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 31% | 39% | |
| 1-4 family residential | 24% | 20% | |
| Business (C&I) | 17% | 15% | |
| Multifamily | 16% | 3% | |
| Construction and land | 12% | 13% | |
| Farmland | 1% | 3% | |
| Consumer | 0% | 2% | |
| Agricultural | 0% | 1% | |
| Other | 0% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 51% | 48% | |
| Noninterest-bearing | 41% | 26% | |
| Time deposits | 8% | 26% |
Brokered deposits are 0.0% of deposits (peers 4.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 3.52% | 0.42% |
| Net charge-offs, annualized | 0.12% | 0.04% |
| Reserves to loans | 1.17% | 1.20% |
| Leverage ratio | 19.24% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Brazos County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/american-momentum