Bank Comparison
Horizon Bank vs Pan American Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 10
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Horizon Bank | Pan American Bank & Trust |
|---|---|---|
| CET1 Ratio | 14.34% | 10.24% |
| Tier 1 Capital Ratio | 14.34% | 10.24% |
| Total Capital Ratio | 15.06% | 11.49% |
| Tier 1 Leverage Ratio | 14.26% | 8.79% |
| Equity / Assets | 14.90% | 8.42% |
Profitability
| Metric | Horizon Bank | Pan American Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 2.88% | 0.81% |
| Return on Equity (ROE) | 19.19% | 9.62% |
| Net Interest Margin (NIM) | 5.06% | 4.15% |
| Yield on Earning Assets | 6.46% | 6.02% |
| Cost of Funds | 1.59% | 1.98% |
Asset quality
| Metric | Horizon Bank | Pan American Bank & Trust |
|---|---|---|
| Texas Ratio | 3.23% | 2.64% |
| Non-Performing Loan Ratio | 0.45% | 0.25% |
| Non-Performing Asset Ratio | 0.49% | 0.21% |
| Net Charge-Off Ratio | 0.10% | 0.02% |
| ACL / Loans | 0.89% | 1.37% |
Balance sheet
| Metric | Horizon Bank | Pan American Bank & Trust |
|---|---|---|
| Total Assets | $539,174K | $539,417K |
| Total Deposits | $445,769K | $488,738K |
| Total Loans | $415,126K | $446,844K |
| Total Equity | $80,341K | $45,416K |
| Net Income (quarter) | $3,763K | $1,091K |
Liquidity & funding
| Metric | Horizon Bank | Pan American Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 93.13% | 91.43% |
| Core Deposit Ratio | 95.56% | 92.84% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Horizon Bank | Pan American Bank & Trust |
|---|---|---|
| Headquarters City | WAVERLY | MELROSE PARK |
| Headquarters State | NE | IL |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 6 |
| Employees (FTE) | 32 | 62 |
| Established | Feb. 18, 1907, midnight | Dec. 22, 1995, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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