Pan American Bank & Trust: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 5.34 percentage points higher than in Q1 2026, at 395.31%. Pan American Bank & Trust ranks 52nd of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 92.15% (Q2 2026). Pan American Bank & Trust reported 92.15% on loan-to-deposit ratio for Q2 2026, 11.31 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $437.4M |
| Net loans and leases | $431.1M |
| Loans held for sale | $0 |
| Loans to total assets | 81.59% |
| Loan-to-deposit ratio | 92.15% |
| Net loans to equity capital | 9.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.98% |
| Multifamily (5+ residential) | 17.03% |
| Commercial and industrial | 13.71% |
| Consumer | 2.71% |
| Credit cards | 0.00% |
| Farm | 0.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.71% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 395.31% |
| Construction concentration (Tier 1 capital + allowance) | 50.21% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.59% |
| Interest income on loans | $7.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $394.5M | $436.4M | 30.87% | 13.38% | 6.07% |
| Q4 2023 | $393.0M | $437.6M | 31.80% | 12.76% | 5.79% |
| Q1 2024 | $410.6M | $444.6M | 33.93% | 13.16% | 5.37% |
| Q2 2024 | $423.6M | $442.0M | 35.45% | 12.58% | 4.96% |
| Q3 2024 | $421.4M | $457.8M | 36.55% | 12.68% | 4.65% |
| Q4 2024 | $407.2M | $439.5M | 37.29% | 12.65% | 4.59% |
| Q1 2025 | $400.3M | $438.3M | 40.05% | 13.45% | 4.54% |
| Q2 2025 | $421.8M | $469.5M | 41.03% | 14.11% | 4.07% |
| Q3 2025 | $435.9M | $475.8M | 42.43% | 15.62% | 3.59% |
| Q4 2025 | $447.5M | $492.0M | 41.60% | 15.16% | 3.19% |
| Q1 2026 | $446.8M | $488.7M | 42.57% | 15.00% | 2.75% |
| Q2 2026 | $437.4M | $474.7M | 43.98% | 13.71% | 2.71% |
Pan American Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pan American Bank & Trust, freeSource: Call Report Schedule RC-C, 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)