BlastPoint's Banking Scorecard

Pan American Bank & Trust

$100M-$1B Specialty: Commercial IL FDIC cert 34108

Melrose Park, IL

6 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

Pan American Bank & Trust has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.18% above tier average
+ Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 13.8% in tier
- NIB Deposit Bleed: Bottom 31.3% in tier
- Credit Risk Growth: Bottom 42.8% in tier
- Liquidity Strain: Bottom 46.8% in tier
- ROA 0.46% below tier average
- Efficiency Ratio 4.90% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$539.4M +10.8% YoY -0.5% QoQ	+$153.3M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	76%
Total Loans ?	$440.7M +11.7% YoY -0.2% QoQ	+$185.0M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$488.7M +11.5% YoY -0.7% QoQ	+$160.8M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	78%
Return on Assets ?	0.81% +28.1% YoY -1.8% QoQ	-0.46%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	26%
Net Interest Margin ?	4.11% +6.2% YoY +4.1% QoQ	+0.18%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	63%
Efficiency Ratio ?	70.19% -6.5% YoY +1.7% QoQ	+4.90%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	32%
Delinquency Rate ?	0.31% +1.3% YoY +22.1% QoQ	-0.58%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	56%
Loan-to-Deposit Ratio ?	90.18% +0.2% YoY +0.5% QoQ	+13.54%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	24%
Non-Interest-Bearing Deposit Share ?	14.42% -19.9% YoY -4.1% QoQ	-7.60%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	22%
Nonperforming Asset Ratio ?	0.25% +2.1% YoY +22.5% QoQ	-0.39%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	55%
Tier 1 Capital Ratio ?	10.24% -10.5% YoY -0.2% QoQ	-5.59%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Bottom 12.8% in tier
Non-Interest Income / Assets ?	0.06% +25.0% YoY -70.3% QoQ	-0.22%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	23%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Credit Quality Pressure

risk

#182 of 1308 • Bottom 13.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.31%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#63 of 198 • Bottom 31.3% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 14.42%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#417 of 973 • Bottom 42.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#302 of 643 • Bottom 46.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.18%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

436

Total Loans

size

Value: $440.73M

Peer Median: $255.72M

#436 of 2664 Top 16.3% in $100M-$1B

574

Total Deposits

size

Value: $488.74M

Peer Median: $327.97M

#574 of 2664 Top 21.5% in $100M-$1B

651

Total Assets

size

Value: $539.42M

Peer Median: $386.08M

#651 of 2664 Top 24.4% in $100M-$1B

Top Weaknesses (4 metrics)

2325

Tier 1 Capital Ratio

capital

Value: 10.24%

Peer Median: 15.83%

#2325 of 2664 Bottom 12.8% in $100M-$1B

2080

Non-Interest-Bearing Deposit Share

funding

Value: 14.42%

Peer Median: 22.02%

#2080 of 2664 Bottom 22.0% in $100M-$1B

2051

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2051 of 2664 Bottom 23.0% in $100M-$1B

2030

Loan-to-Deposit Ratio

liquidity

Value: 90.18%

Peer Median: 76.64%

#2030 of 2664 Bottom 23.8% in $100M-$1B