PAN AMERICAN BANK & TRUST

MELROSE PARK, IL | Medium | Est. Dec. 22, 1995, midnight | FDIC #34108 | RSSD #2343167 | FDIC
Latest Report: 2025-12-31

PAN AMERICAN BANK & TRUST is amn medium FDIC-insured commercial bank headquartered in MELROSE PARK, IL, established in Dec. 22, 1995, midnight. As of 2025-12-31, the bank reported total assets of $542M and total deposits of $492M. Profitability stands at 0.93% ROA and 11.08% ROE, with a net interest margin of 4.07%. The bank's CET1 capital ratio is 10.26%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.25% and a Texas Ratio of 2.18%. FDIC Certificate #34108.

Assets

$542M

Deposits

$492M

Loans

$447M

Equity

$45M

Profitability

Return on Assets (ROA) 0.93%
Return on Equity (ROE) 11.08%
Net Interest Margin (NIM) 4.07%
Yield on Assets 6.27%
Cost of Funds 2.23%

Asset Quality

NPL Ratio 0.25%
Net Charge-Off Ratio 0.07%
Texas Ratio 2.18%
NPA Ratio 0.21%
ACL / Loans 1.33%

Capital & Liquidity

CET1 Ratio 10.26%
Tier 1 Capital 10.26%
Total Capital Ratio 11.51%
Leverage Ratio 8.97%
Loan-to-Deposit 90.95%

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