Pan American Bank & Trust: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 16.7% higher than in Q1 2026, at -$1.4M. On CET1 ratio, Pan American Bank & Trust is 12th from the bottom among 198 Illinois banks, 10.54% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Pan American Bank & Trust sits 4.53 points lower, at 10.54% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.54% |
| Tier 1 risk-based capital ratio | 10.54% |
| Total risk-based capital ratio | 11.79% |
| Tier 1 leverage ratio | 8.63% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $47.5M |
| Tier 1 capital | $47.5M |
| Total risk-based capital | $53.2M |
| Total equity capital | $46.1M |
| Risk-weighted assets | $450.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.60% |
| Tangible equity to tangible assets | 8.60% |
| Equity capital to average assets | 8.37% |
| Internal capital growth rate | 3.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $15.8M |
| Retained earnings | $30.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.79% | 10.79% | 12.05% | 8.67% | $381.1M |
| Q4 2023 | 10.89% | 10.89% | 12.14% | 8.74% | $388.8M |
| Q1 2024 | 10.25% | 10.25% | 11.50% | 8.52% | $403.6M |
| Q2 2024 | 10.05% | 10.05% | 11.31% | 8.44% | $419.9M |
| Q3 2024 | 10.33% | 10.33% | 11.58% | 8.50% | $419.7M |
| Q4 2024 | 11.32% | 11.32% | 12.57% | 9.01% | $407.0M |
| Q1 2025 | 11.44% | 11.44% | 12.69% | 9.37% | $400.9M |
| Q2 2025 | 10.81% | 10.81% | 12.06% | 9.29% | $424.6M |
| Q3 2025 | 10.34% | 10.34% | 11.59% | 8.86% | $448.1M |
| Q4 2025 | 10.26% | 10.26% | 11.51% | 8.97% | $456.1M |
| Q1 2026 | 10.24% | 10.24% | 11.49% | 8.79% | $460.5M |
| Q2 2026 | 10.54% | 10.54% | 11.79% | 8.63% | $450.9M |
Pan American Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pan American Bank & Trust, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Pan American Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34108) · FFIEC NIC profile (RSSD 2343167)