American Momentum Bank: SBA Lending Profile
American Momentum Bank is an FDIC-insured bank, headquartered in College Station, TX. It is active in 35 states, concentrated around TX, FL, AZ. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes American Momentum Bank actually approves
The median SBA approval at American Momentum Bank is $740,500. The middle 80% of its loans fall between $235,000 and $2,397,760. The smallest approval on record since 2020 is $50,000 and the largest is $5,000,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Child Day Care Services | 19 | 8% |
| Full-Service Restaurants | 13 | 5.5% |
| General Automotive Repair | 12 | 5% |
| Support Activities for Oil and Gas Operations | 6 | 2.5% |
| Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance | 6 | 2.5% |
| Limited-Service Restaurants | 6 | 2.5% |
| Car Washes | 5 | 2.1% |
| Beer, Wine, and Liquor Retailers | 5 | 2.1% |
| Landscaping Services | 5 | 2.1% |
| Electrical Contractors and Other Wiring Installation Contractors | 4 | 1.7% |
| Other Electronic Parts and Equipment Merchant Wholesalers | 4 | 1.7% |
| Gift, Novelty, and Souvenir Retailers | 4 | 1.7% |
Conventional small business lending, beyond SBA
SBA loans are a fraction of most banks' small business lending. Under the Community Reinvestment Act, American Momentum Bank reported 261 small business loan originations in 2024, totaling $79M, at an average of about $303K per loan across 17 states. 47.1% of those loans went to businesses with under $1M in annual revenue.
Borrower profile
- 23.5% of its recent SBA loans went to startups or businesses under two years old.
- Collateral was taken on 99.6% of its recent SBA loans.
- 2.9% of its loans carry fixed rates; the rest are variable.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. Conventional small business lending figures from FFIEC CRA disclosure data (2024 activity year); CRA loan counts include business credit card originations at some institutions. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by American Momentum Bank.