American Momentum Bank

One Momentum Boulevard
College Station, TX 77845

American Momentum Bank
Notable Rates APY Vs.Others
Savings 0.25% 2.20% →
1-Year CD 1.51% 2.20% →
2-Year CD 1.46% 2.20% →
5-Year CD 1.41% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

American Momentum Bank is an FDIC insured institution located in College Station, TX. It was founded in 2006 and has approximately $1.66 billion in assets. Customers can open an account at one of its 14 branches.

FDIC Insured Yes
FDIC Certificate # 58309
Date Established 2006
Assets $1.66 billion
Loans $1.25 billion
Deposits $1.40 billion
Capital $0.25 billion

For a more detailed analysis of American Momentum Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 25, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $1 $49,999 Learn MoreShow Less
3 Mo CD
1.26% $1,000 - Learn MoreShow Less
6 Mo CD
1.38% $1,000 - Learn MoreShow Less
12 Mo CD
1.51% $1,000 - Learn MoreShow Less
24 Mo CD
1.46% $1,000 - Learn MoreShow Less
36 Mo CD
1.41% $1,000 - Learn MoreShow Less
48 Mo CD
1.41% $1,000 - Learn MoreShow Less
60 Mo CD
1.41% $1,000 - Learn MoreShow Less

Fixed IRA
1.51% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.20% $1 $24,999 Learn MoreShow Less

Loan Rates - February 25, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for American Momentum Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.163% 3.125% 0.50 $1,192 $1,071 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to American Momentum Bank
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American Momentum Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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American Momentum Bank Locations

Financial Details

American Momentum Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Momentum Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
American Momentum Bank U.S. Bank Average
9.05% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, American Momentum Bank had $8,662,000 in non-current loans and $14,868,000 in owned real estate. To cover these potential losses it had $248,568,000 in equity and $11,465,000 in loans loss reserves. That gives it a Texas Ratio of 9.05%.

Return on Equity
American Momentum Bank U.S. Bank Average
11.54% 9.72%

American Momentum Bank has a Return on Equity of 11.54% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

American Momentum Bank U.S. Bank Average
14.98% 12.89%

American Momentum Bank has a Capitalization of 14.98% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

American Momentum Bank Balance Sheet Analysis

As of September 30, 2019, American Momentum Bank had assets of $1,658,912,000, loans of $1,253,126,000, and deposits of $1,395,799,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.13 billion
Interest-bearing balances $0.09 billion
Total securities $0.17 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $1.25 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $0.04 billion
All other assets $0.03 billion
     Total Assets $1.41 billion
Total deposits $1.40 billion
      Interest-bearing deposits $0.89 billion
      Deposits held in domestic offices $1.40 billion
      % insured (estimated) 56.76%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $1.41 billion
      Shareholders’ Equity $0.25 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.06 billion
Total Interest Expense $0.01 billion
Net interest income $0.06 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.03 billion
Pre-tax Net Operating Income $0.03 billion

Bank Loan Profile?

The top three loan types in American Momentum Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Texas, American Momentum Bank has a significantly higher percent of Multifamily Mortgages, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 17.62
Credit Card Loans 0.00
Consumer Auto Loans 0.11
Small Business Loans 10.10
Construction and Development Loans 16.39
Commercial Real Estate 42.93
Commercial and Industrial Loans 16.21
Farm Loans 1.11

Frequently Asked Questions About American Momentum Bank

Branches and Savings

Is American Momentum Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58309.

Why does American Momentum Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are American Momentum Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is American Momentum Bank a commercial bank?


Where are American Momentum Bank locations?

See branch locations nearby.

Is American Momentum Bank open on Saturdays?

Is American Momentum Bank open on Sundays?

What time does American Momentum Bank open?

What time does American Momentum Bank close?

Are American Momentum Bank ATMs Open 24/7?

Do American Momentum Bank ATMs accept cash deposits?

Can American Momentum Bank customers use other ATMs?

Do American Momentum Bank branches have notaries?

Will American Momentum Bank notarize my document?

What address for American Momentum Bank should I put for incoming ACH transfers?

Will the American Momentum Bank branch print checks?

Do American Momentum Bank checks expire?

Does American Momentum Bank require US citizenship to open account?

Can American Momentum Bank close my account?

Does American Momentum Bank Report to credit bureaus?

Does American Momentum Bank Use Equifax?

What is American Momentum Bank's ACH Routing Number?

What is American Momentum Bank's SWIFT code?


Does American Momentum Bank offer mortgages?

Compare mortgage rates here.

Does American Momentum Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does American Momentum Bank offer personal loans?

Compare personal loan rates here.

Does American Momentum Bank offer student loans?

Will American Momentum Bank cash a check?

Will American Momentum Bank redeem a savings bond?

Does American Momentum Bank cash savings bonds?

Will American Momentum Bank cash money orders?

Can American Momentum Bank issue a money order?

Does American Momentum Bank do currency exchange?

Background on The Bank

Who owns American Momentum Bank?

How long has American Momentum Bank been around?

Can American Momentum Bank transfer to other banks?

Does American Momentum Bank have quick pay?

Does American Momentum Bank accept rolled coins?

Will American Momentum Bank accept loose change?

Where is American Momentum Bank headquarters?

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*Should any logos, images or public notes appear on this page,they do so courtesy of American Momentum Bank and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.dd