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American Momentum Bank
College Station, TX·FDIC Cert #58309·Charter: STATE·Est. 20061025.0·HC: ADAM CORP GROUP THE
Total Assets
$2.8B
Q4 2025
Return on Assets
1.78%
+0.05%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
50.76%
Peer avg: 58.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.78%+0.05
ROE
8.55%+0.12
Efficiency
50.76%-0.89
Equity/Assets
0.00%+0.00
NPL Ratio
2.30%+0.53
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
86.62%-4.59
Charge-offs
0.22%-0.04
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 2.0 | 2.0 | 2.0 | 2.0 | 1.7 | 1.7 | 1.7 | 1.8 |
| ROE | 10.2 | 10.1 | 10.1 | 9.9 | 8.4 | 8.5 | 8.4 | 8.6 |
| Efficiency | 52.5 | 50.5 | 48.2 | 48.6 | 52.1 | 51.5 | 51.6 | 50.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.7 | 0.7 | 1.5 | 1.1 | 1.3 | 1.8 | 2.3 |
| Charge-offs | -0.0 | 0.2 | 0.1 | 0.1 | 0.0 | 0.4 | 0.3 | 0.2 |
| Loan/Deposit | 92.1 | 93.2 | 90.2 | 88.1 | 89.0 | 90.7 | 91.2 | 86.6 |
Balance Sheet
Total Assets$2.8B
Total Deposits$2.1B
Total Loans$1.9B
Total Equity$613.0M
Profitability
ROA1.78%
ROE8.55%
Efficiency Ratio50.76%
Net Income$49.9M
Risk & Asset Quality
NPL Ratio2.30%
Charge-off Rate0.22%
Loan/Deposit86.62%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans