Pan American Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 695.42 percentage points in Q2 2026, from 548.61% to 1244.03%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Pan American Bank & Trust is 232nd of 323 on return on assets, 0.83% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Pan American Bank & Trust sits 0.43 points lower, at 0.83% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.54% |
| Tier 1 risk-based capital ratio | 10.54% |
| Total risk-based capital ratio | 11.79% |
| Tier 1 leverage ratio | 8.63% |
| Equity capital to assets | 8.60% |
| Tangible equity to tangible assets | 8.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.97% |
| Allowance for credit losses to loans | 1.45% |
| Reserve coverage of non-performing loans | 1244.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.83% |
| Return on equity | 9.96% |
| Net interest margin | 4.17% |
| Efficiency ratio | 69.46% |
| Yield on earning assets | 6.07% |
| Cost of funds | 2.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.15% |
| Core deposits to total deposits | 94.67% |
| Brokered deposits to total deposits | 10.00% |
| Deposits to assets | 88.55% |
| Securities to assets | 7.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.79% | 10.79% | 12.05% | 8.67% | 1.13% |
| Q4 2023 | 10.89% | 10.89% | 12.14% | 8.74% | 0.99% |
| Q1 2024 | 10.25% | 10.25% | 11.50% | 8.52% | 0.84% |
| Q2 2024 | 10.05% | 10.05% | 11.31% | 8.44% | 1.08% |
| Q3 2024 | 10.33% | 10.33% | 11.58% | 8.50% | 1.13% |
| Q4 2024 | 11.32% | 11.32% | 12.57% | 9.01% | 2.14% |
| Q1 2025 | 11.44% | 11.44% | 12.69% | 9.37% | 0.64% |
| Q2 2025 | 10.81% | 10.81% | 12.06% | 9.29% | 0.83% |
| Q3 2025 | 10.34% | 10.34% | 11.59% | 8.86% | 0.90% |
| Q4 2025 | 10.26% | 10.26% | 11.51% | 8.97% | 0.95% |
| Q1 2026 | 10.24% | 10.24% | 11.49% | 8.79% | 0.81% |
| Q2 2026 | 10.54% | 10.54% | 11.79% | 8.63% | 0.83% |
Pan American Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pan American Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)