Pan American Bank & Trust: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 6.91 percentage points lower than in Q1 2026, at 10.00%. Within Illinois, Pan American Bank & Trust is 52nd of 323 on loan-to-deposit ratio, 92.15% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Pan American Bank & Trust sits 11.31 points higher, at 92.15% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $45.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $88.6M |
| Fed funds sold and reverse repos | $21.1M |
| Fed funds sold and reverse repos to assets | 3.94% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $10.0M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.15% |
| Net loans and leases to deposits | 90.81% |
| Loans and leases to core deposits | 97.22% |
| Core deposits to total deposits | 94.67% |
| Brokered deposits to total deposits | 10.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 90.41% | 91.89% | $0 | $10.0M |
| Q4 2023 | 89.80% | 93.32% | $0 | $10.0M |
| Q1 2024 | 92.35% | 93.89% | $0 | $10.0M |
| Q2 2024 | 95.84% | 93.43% | $0 | $26.0M |
| Q3 2024 | 92.05% | 93.63% | $0 | $10.0M |
| Q4 2024 | 92.64% | 93.54% | $0 | $10.0M |
| Q1 2025 | 91.33% | 90.78% | $0 | $0 |
| Q2 2025 | 89.84% | 91.19% | $0 | $0 |
| Q3 2025 | 91.63% | 91.39% | $0 | $0 |
| Q4 2025 | 90.95% | 92.29% | $0 | $0 |
| Q1 2026 | 91.43% | 92.74% | $0 | $0 |
| Q2 2026 | 92.15% | 94.67% | $10.0M | $0 |
Pan American Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pan American Bank & Trust, freeSource: Call Report Schedules RC and RC-M, 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)