American Momentum Bank
American Momentum Bank is a Texas-based bank founded in 2006, offering personal and business banking services with operations in Texas and Florida, focused on innovative banking solutions for communities.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (65 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
American Momentum Bank ranks #57 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of American Momentum Bank’s 7(a) acquisition lending falls in the $500K-$1M range: 23 loans, 35.4% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 13 | 20.0% | |
| $500K-$1M | 23 | 35.4% | |
| $1M-$2M | 19 | 29.2% | |
| $2M-$3M | 6 | 9.2% | |
| $3M-$4M | 3 | 4.6% | |
| $4M-$5M | 1 | 1.5% |
Industries with highest loan volume
Full-Service Restaurants
5
loans
$1.4M
avg. amount
All Other Specialty Trade Contractors
3
loans
$1.1M
avg. amount
General Automotive Repair
3
loans
$1.6M
avg. amount
Other Services to Buildings and Dwellings
2
loans
$1.1M
avg. amount
All Other Personal Services
2
loans
$408K
avg. amount
Commercial Screen Printing
2
loans
$1.7M
avg. amount
Drinking Places (Alcoholic Beverages)
2
loans
$879K
avg. amount
Specialized Freight (except Used Goods) Trucking, Long-Distance
2
loans
$1.7M
avg. amount
Support Activities for Oil and Gas Operations
2
loans
$1.3M
avg. amount
Gift, Novelty, and Souvenir Retailers
2
loans
$524K
avg. amount
10-Year
1.7%
Percentile Ranking
87th
87th percentile
American Momentum Bank’s median variable rate is + 2.50%, against a market median of Prime + 1.88%, 63 above market.
It priced below the market median in 1 of the last 8 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.56% |
| $500K-$1M | Prime + 2.41% |
| $1M-$2M | Prime + 2.36% |
| $2M-$3M | Prime + 1.71% |
| $3M-$4M | Prime + 2.17% |
| $4M-$5M | Prime + 0.75% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q1 '24 | Prime + 2.50% | Prime + 2.00% | Prime + 1.48% – Prime + 2.50% | 5 |
| Q2 '24 | Prime + 2.50% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 9 |
| Q3 '24 | Prime + 2.38% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 4 |
| Q1 '25 | Prime + 1.50% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 3 |
| Q2 '25 | Prime + 2.00% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 5 |
| Q3 '25 | Prime + 2.00% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 5 |
| Q4 '25 | Prime + 2.38% | Prime + 2.25% | Prime + 1.67% – Prime + 2.75% | 4 |
| Q1 '26 | Prime + 2.00% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 3 |
American Momentum Bank has originated 7(a) acquisition loans in 25 states, most actively in Texas (15), Arizona (8) and Florida (5). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Texas | 15 | 23.1% |
| Arizona | 8 | 12.3% |
| Florida | 5 | 7.7% |
| North Carolina | 5 | 7.7% |
| Georgia | 4 | 6.2% |
| California | 3 | 4.6% |
| Kentucky | 3 | 4.6% |
| Colorado | 2 | 3.1% |
| Maryland | 2 | 3.1% |
| Ohio | 2 | 3.1% |
| Virginia | 2 | 3.1% |
| Alaska | 1 | 1.5% |
| Michigan | 1 | 1.5% |
| Nevada | 1 | 1.5% |
| Utah | 1 | 1.5% |
| Massachusetts | 1 | 1.5% |
| Louisiana | 1 | 1.5% |
| South Carolina | 1 | 1.5% |
| Wisconsin | 1 | 1.5% |
| Rhode Island | 1 | 1.5% |
| New Mexico | 1 | 1.5% |
| Oklahoma | 1 | 1.5% |
| Missouri | 1 | 1.5% |
| Illinois | 1 | 1.5% |
| Indiana | 1 | 1.5% |
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