# AMERICAN MOMENTUM BANK
COLLEGE STATION, TX · FDIC certificate 58309 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.85B | |
| Deposits | $2.18B | |
| Loans and leases | $2.00B | |
| Total equity | $630.4M | |
| Loans / deposits | 90.30% (p61 of band) | 87.10% |
| Liquid assets / assets | 22.58% (p56 of band) | |
| Uninsured deposits / deposits | 47.53% (p88 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 19.24% (p97 of band) | 10.50% |
| Unrealized securities loss / equity | -3.97% (p69 of band) | -7.75% |
| AOCI / equity | -0.13% (p63 of band) | |
| ROA (annualized) | 1.27% (p51 of band) | 1.26% |
| Net interest margin | 4.42% (p85 of band) | 3.70% |
| Efficiency ratio | 58.61% (p49 of band) | |
| Noncurrent loans | 3.52% (p97 of band) | 0.51% |
| Net charge-offs (annualized) | 0.08% (p72 of band) | |
| Reserve coverage of noncurrent | 33.22% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 36.51% (p38 of band) | |
| Auto loans | $73,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 340 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, uninsured deposits >50%, run vulnerability, reserve under noncurrent |  |
| 2011-06 | 3 |  | loans exceed deposits |
| 2011-09 | 3 | loans exceed deposits, capital falling | uninsured deposits >50%, run vulnerability |
| 2011-12 | 3 |  |  |
| 2012-03 | 4 | noncurrent p90 |  |
| 2012-06 | 3 |  | noncurrent p90 |
| 2012-09 | 3 | wholesale funding >15% | capital falling |
| 2012-12 | 2 |  | wholesale funding >15% |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 4 | capital falling, deposits shrinking |  |
| 2014-09 | 3 | wholesale funding >15% | capital falling, deposits shrinking |
| 2014-12 | 4 | uninsured deposits >50%, run vulnerability | wholesale funding >15% |
| 2015-03 | 1 |  | reserve under noncurrent, uninsured deposits >50%, run vulnerability |
| 2015-06 | 4 | uninsured deposits >50%, liquid assets <10%, run vulnerability |  |
| 2015-09 | 3 |  | liquid assets <10% |
| 2015-12 | 4 | liquid assets <10% |  |
| 2016-03 | 3 |  | liquid assets <10% |
| 2016-06 | 4 | liquid assets <10% |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 |  | liquid assets <10% |
| 2017-03 | 4 | deposits shrinking |  |
| 2017-06 | 3 |  | deposits shrinking |
| 2017-09 | 4 | deposits shrinking, assets shrinking | loans exceed deposits |
| 2017-12 | 4 |  |  |
| 2018-03 | 3 |  | assets shrinking |
| 2018-06 | 0 |  | uninsured deposits >50%, run vulnerability, deposits shrinking |
| 2018-09 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2018-12 | 3 | loans exceed deposits |  |
| 2019-03 | 1 |  | run vulnerability, loans exceed deposits |
| 2019-06 | 0 |  | uninsured deposits >50% |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 2 | noncurrent p90 |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | deposits shrinking, assets shrinking | noncurrent p90 |
| 2021-09 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | deposits shrinking, assets shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 0 |  | deposits shrinking, assets shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | reserve under noncurrent |  |
| 2025-03 | 0 |  | reserve under noncurrent |
| 2025-06 | 1 | reserve under noncurrent |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | noncurrent p90 |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-20 [American Momentum Bank Has A New President - WTAW](https://news.google.com/rss/articles/CBMibEFVX3lxTE1Fb3NvQ3UxNGZxcE0zcDR2Q3dmbXRob2cwbGJETkVMeEJrT2I0TmhfcFZCNUZlZC0zN2Q0N2dzSnRDN1ctc08teE8yVi0yQm9XMzRUT2xYbmpOYWQxV3dqNWZQVWUxdFFTTzlqVw?oc=5) · WTAW
- 2026-02-02 [Texas bank faces second lawsuit for role in $100M Govoni fraud case - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOY0h4b3FhY1VuLTVwdDhhOGtpYWpnQlJkWjVBNEJNbjk5bjVzZjdockRxdUQ3bVlfRjhTSDFDV1ptd201bEJYSHRPTWhZcUtjR25yZHF5ejdwWXdoeU9tbENzUEpWNXdXbE5tWFY5Vl83eDJiRjJ4MGJjdjhmelJGRmQ5cmJrTnYwcjJIS21PeU9qRDlZdlUtQnR4TnpTV01lWVhr?oc=5) · The Business Journals
- 2026-02-24 [A 'Bank Is A Bank': Lender Denies Aiding $100M Trust Fraud - Law360](https://news.google.com/rss/articles/CBMimgFBVV95cUxORzRCbVl5UG5GYUdHTHpjM0Izd3A3T1U1VFJwWFVkVnJmX2xtNVROVzdGcmIyNkk2bmwyQUtRekFoVGtpS1pSM0pveVM1c0ZCSGdkNUhWelhxTk0xZFJzcEt1elFnRHJ2WW9iNHRfSUFPZE8tejQ4VGw5LWgxQ3RZMlVWVTBnZHNTMFk3b3lSWS1pVkprbTFrTllR0gFWQVVfeXFMTkpycmJua1U3c0MxeUVZelB5cmw3b0tQcFduNlIyMWVjT0RtRTM2cnkwWi1yQzFuU2N4TzktMXRlaFlYZE1yUWxzU2VuTU5zOVd6dDZBWVE?oc=5) · Law360
- 2026-05-08 [Bank accused in $100M Tampa Ponzi scheme claims innocence - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOaW1meUxZZWxUSThwSnlKQjdMZDVuQTlSLVlmS1VGdFY0SUxzS1F5WW10S1U2cmNySGcwWVlmUDFzMXBKMURqR0t2WVk3ZGRyUXVwZS0wdVNkRklKNnQxQ3cwcF9tdmtjVmhmLTRoY1BLNWwzN1FscjlBLTJoQXRwM19OMERCWl9BWWNfUzhHQWotUWxEamc0Y050NVVwdEJ5THpnbw?oc=5) · The Business Journals
- 2019-11-19 [American Momentum Bank set to acquire Security Bank - KBTX News 3](https://news.google.com/rss/articles/CBMirwFBVV95cUxPWUZTZ3g1Uno4MHVVNUZFTW9neWNqWlRtaVZRVkZXbklfZG9wMEk5TzlxdVU0V3RZa2tub1U5WmVYUkFWLTRFQzFLVDZkNzVaOHNxa0hCNHQ1cUlJNGlYYVNoODhSYUZiM0QyR0dPUHdUR1g2RlJZVEdRU2x1MXVVVU4yb1VvQzNva25vbFVyVGhidjN5SVRnOEJ0WFI4ZFd6SDZSM19od1hBN3pBdEN3?oc=5) · KBTX News 3
- 2025-10-10 [Bank at center of Leo Govoni’s $100 million trust fund scheme sued for damages - Tampa Bay Times](https://news.google.com/rss/articles/CBMitgFBVV95cUxPdGp2TW8zM3ZMUXQwZnNac0tVakE0M25LSm1GWkNybnVZSFJGaHczT2d5LWlQVnRwZWljU05VRl94UndBWkVMNFNwcXhOZ0ZMVXIta1laalZ3QVZOTl94a0hrajBjLXVSbjNrVmd6UnZrWEMzZmtNLTZEY2RCcExBaE1sQk5feWNYVWtLQnBMUWpseEFXM3pkTFlyVlB4OXN4bV9FRTNCM09mRDhEMDkxd0pGcWt5dw?oc=5) · Tampa Bay Times
- 2025-05-09 [American Momentum Bank expands association banking with new hire - Utah Business](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPRUMzQlVCc0twSXF5RnNPNE1ac0xtRkZINlhPdElJVkJpWHpieFNqQU8xUEFRcnVqSVpub3FxcldMaUVFa3diaWdsVGdETS1QY1NPVWhiNXVPc1AxcEZSREtlT3BHWlpvenRDT1BfRVg0S2NrTXdrSkpzNk1vcllIYXJOVE1MUnFLYjhkSlhuaVZHV3BhcUxSRUNoOFpUenBhRmJXVTRSeks2Zjh3YmlMTnZ6OXBlUlJ2aWFpb1R5WUY2TlFPYl91STNkT3F2YWxCUzFWempSVWdObm9SYzllaEVaeUc5Zw?oc=5) · Utah Business
- 2019-11-13 [Security Bank merges with American Momentum Bank - newswest9.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxQMWNzbVBoV3pyNGI5ZXRGMmt2VENFMVpBVU5DbUQtcmNDbmo4UTBkTUtGcFdRYTVQTjdWWlpSYmdJSk0yaVJRbmNqUERkN1RmOTFmTG54UlN2WGZhSWhrNHpUdDdacHhVYlEzUENfa3RrNkRtT0tMang4d0tDeExrWDUyNW96WlFsM3Z1bEFvRlNKdGRHUUZ4NGtsTHNqWjRzcU5UdjFBSk1UTFBhYmNzdDV6dUJaMzRLbkNPbElqV2lSbzlQY1AwU3VwSG0?oc=5) · newswest9.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58309 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/5.json (key "58309", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide