Pan American Bank & Trust: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 4.2% to $2.5M. Pan American Bank & Trust ranks 75th of 323 Illinois banks on net interest margin, in the upper half at 4.17% (Q2 2026). Pan American Bank & Trust reported 4.17% on net interest margin for Q2 2026, 0.22 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.07% |
| Yield on loans | 6.59% |
| Yield on securities | 3.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.05% |
| Cost of interest-bearing deposits | 2.50% |
| Cost of interest-bearing liabilities | 2.47% |
| Cost of borrowings | 3.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.17% |
| Yield to cost spread | 3.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.2M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.5M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.66% | 1.94% | 3.85% | 5.89% | 4.14% |
| Q4 2023 | 5.79% | 2.17% | 3.78% | 6.04% | 4.25% |
| Q1 2024 | 5.79% | 2.26% | 3.70% | 5.99% | 4.30% |
| Q2 2024 | 6.04% | 2.26% | 3.94% | 6.29% | 4.30% |
| Q3 2024 | 6.16% | 2.28% | 4.05% | 6.43% | 4.26% |
| Q4 2024 | 6.05% | 2.23% | 4.02% | 6.41% | 4.07% |
| Q1 2025 | 5.97% | 2.25% | 3.91% | 6.33% | 4.02% |
| Q2 2025 | 6.03% | 2.14% | 4.08% | 6.43% | 3.83% |
| Q3 2025 | 6.22% | 2.35% | 4.04% | 6.63% | 3.96% |
| Q4 2025 | 6.10% | 2.29% | 3.99% | 6.51% | 3.45% |
| Q1 2026 | 6.02% | 2.01% | 4.15% | 6.44% | 3.69% |
| Q2 2026 | 6.07% | 2.05% | 4.17% | 6.59% | 3.70% |
Pan American Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pan American Bank & Trust, freeSource: Call Report Schedules RI and RC-K, 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)