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Pan American Bank & Trust

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

Melrose Park, IL

6 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +1.1% year over year ($474.7M on the books).
  • Delinquency rate 0.12%.
  • Return on assets 0.83%.
  • Efficiency ratio 70.29% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.81% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (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 0.20% above tier average
  • + Delinquency Rate 0.80% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 10.3% in tier
  • - Liquidity Strain: Bottom 14.0% in tier
  • - Credit Quality Pressure: Bottom 16.5% in tier
  • - Capital Thin: Bottom 41.1% in tier
  • - ROA 0.50% below tier average
  • - Efficiency Ratio 5.81% above tier average
Get updates when Pan American Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $536.1M
+3.5% YoY -0.6% QoQ
+$149.5M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
75%
Total Loans ? $431.1M
+3.6% YoY -2.2% QoQ
+$172.7M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
82%
Total Deposits ? $474.7M
+1.1% YoY -2.9% QoQ
+$148.0M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
77%
Return on Assets ? 0.83%
+15.2% YoY +2.5% QoQ
-0.50% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
25%
Net Interest Margin ? 4.19%
+6.9% YoY +2.0% QoQ
+0.20% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
65%
Efficiency Ratio ? 70.29%
-2.5% YoY +0.1% QoQ
+5.81% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
29%
Delinquency Rate ? 0.12%
+388.4% YoY -61.7% QoQ
-0.80% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
73%
Loan-to-Deposit Ratio ? 90.81%
+2.5% YoY +0.7% QoQ
+12.86% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
24%
Non-Interest-Bearing Deposit Share ? 17.51%
-0.3% YoY +21.5% QoQ
-4.52% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
34%
Nonperforming Asset Ratio ? 0.10%
+388.7% YoY -62.3% QoQ
-0.57% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
72%
Tier 1 Capital Ratio ? 10.54%
-2.4% YoY +3.0% QoQ
-5.37% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
17%
Non-Interest Income / Assets ? 0.11%
+8.0% YoY +91.6% QoQ
-0.46% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
21%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 17.5%
-0.1pp YoY
+3.1pp QoQ
 -4.6pp 22.1% 20.1% 22.2% 34%
Brokered Deposits 10.0%
-5.6pp YoY
-6.9pp QoQ
 +2.1pp 7.9% 8.0% 8.5% 75%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 13.9%
-0.4pp YoY
-1.3pp QoQ
 +2.4pp 11.6% 14.7% 12.5% 72%
CRE 68.2%
+4.0pp YoY
+2.1pp QoQ
 +28.6pp 39.5% 37.9% 41.4% 92%
1-4 Family 13.8%
-1.6pp YoY
0.0pp QoQ
 -18.8pp 32.6% 28.3% 31.3% 17%
Consumer 2.7%
-1.4pp YoY
0.0pp QoQ
 -1.4pp 4.1% 5.4% 5.0% 57%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 10.5%
-0.3pp YoY
+0.3pp QoQ
 -8.3pp 18.8% 19.9% 19.7% 5%
Leverage Ratio 8.6%
-0.7pp YoY
-0.2pp QoQ
 -3.5pp 12.2% 12.2% 12.6% 8%
Total Capital Ratio 11.8%
-0.3pp YoY
+0.3pp QoQ
 -8.1pp 19.9% 20.9% 20.8% 6%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 70
+10 (+16.7%) YoY
+8 (+12.9%) QoQ
 +11 58 228 482 71%
Assets per Employee ($) $7.7M
-11.3% YoY
-12.0% QoQ
 +$140K $7.5M $8.3M $8.8M 63%
Branch Count 6
+1 (+20.0%) YoY
+1 (+20.0%) QoQ
 +1 4 10 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.1%
+0.1pp YoY
-0.1pp QoQ
 -0.8pp 0.9% 1.1% 1.0% 20%
Allowance Coverage 12.44x
-77.9% YoY
+177.2% QoQ
 -11.71x 24.15x 5.62x 20.23x 84%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 38%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 9.8%
+1.6pp YoY
+0.2pp QoQ
 -2.4pp 12.2% 10.5% 11.6% 36%
Cost of Funds (YTD) 1.9%
-0.1pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.6% 1.7% 66%
Net Income ($, YTD) $2.2M
+23.9% YoY
— QoQ
 -$325K $2.6M $11.7M $40.4M 57%

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 Risk Growth

risk
#97 of 936 • Bottom 10.3% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#98 of 691 • Bottom 14.0% 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: 90.81%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#208 of 1256 • Bottom 16.5% in tier

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

Why this signature
Delinquency Rate: 0.12%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Capital Thin

risk
#273 of 661 • Bottom 41.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.54%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

470
Total Loans
size
Value: $431.08M
Peer Median: $258.35M
#470 of 2643 Top 17.7% in $100M-$1B
598
Total Deposits
size
Value: $474.72M
Peer Median: $326.73M
#598 of 2643 Top 22.6% in $100M-$1B

Top Weaknesses (4 metrics)

2185
Tier 1 Capital Ratio
capital
Value: 10.54%
Peer Median: 15.91%
#2185 of 2643 Bottom 17.4% in $100M-$1B
2097
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2097 of 2643 Bottom 20.7% in $100M-$1B
1998
Loan-to-Deposit Ratio
liquidity
Value: 90.81%
Peer Median: 77.95%
#1998 of 2643 Bottom 24.4% in $100M-$1B
1995
Return on Assets
profitability
Value: 0.83%
Peer Median: 1.32%
#1995 of 2643 Bottom 24.6% in $100M-$1B
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