Pan American Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pan American Bank & Trust of Melrose Park, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.83% | 1.34% | -0.51% | 24th bottom |
| ROAE | 9.96% | 13.32% | -3.36% | 36th below |
| Net Interest Margin | 4.17% | 3.93% | +0.24% | 63rd above |
| Efficiency Ratio | 69.46% | 61.14% | +8.32% | 29th below |
| PPNR / Avg Assets | 1.24% | 1.68% | -0.44% | 30th below |
| Yield on Earning Assets | 6.07% | 5.67% | +0.40% | 71st above |
| Cost of Funds | 2.05% | 1.88% | +0.17% | 34th below |
| Net Interest Spread | 3.60% | 3.32% | +0.28% | 65th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.94% | -0.82% | 71st above |
| NPA / Total Assets | 0.10% | 0.70% | -0.60% | 71st above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 87th top |
| ACL / Total Loans | 1.45% | 1.28% | +0.17% | 75th top |
| ACL / NPLs (Coverage) | 1244.03% | 1538.84% | -294.81% | — |
| Texas Ratio | 0.97% | 7.33% | -6.36% | 73rd above |
| Provision / NCO | 4280.00% | 1393.21% | +2886.79% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.54% | 19.51% | -8.97% | 5th bottom |
| Tier 1 Ratio | 10.54% | 19.54% | -9.00% | 5th bottom |
| Total Capital Ratio | 11.79% | 20.63% | -8.84% | 6th bottom |
| Leverage Ratio | 8.63% | 12.14% | -3.51% | 8th bottom |
| Equity / Assets | 8.60% | 11.38% | -2.78% | 21st bottom |
| TCE / Tangible Assets | 8.60% | 11.09% | -2.49% | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.15% | 80.63% | +11.52% | 24th bottom |
| Core Deposit Ratio | 94.67% | 86.86% | +7.81% | 82nd top |
| Wholesale Funding Ratio | 1.87% | 5.04% | -3.17% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.53% | 6.85% | -3.32% | 43rd below |
| Loan Growth (Y/Y) | 3.71% | 7.90% | -4.19% | 41st below |
| Deposit Growth (Y/Y) | 1.12% | 6.29% | -5.17% | 30th below |
See Pan American Bank & Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pan American Bank & Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Pan American Bank & Trust profile, how to read a UBPR, or how this data updates.