Pan American Bank & Trust

Melrose Park, IL · Cert 34108 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Solvtrust Financial Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

$536.1MAssets

$437.4MLoans

$474.7MDeposits

$46.1MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 70% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 18 of 56).
Widest gap: tier 1 capital ratio trails 89% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 51 of 57).
Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.83%

Rank 30 of 57

Net Interest Margin

3.93%

Rank 18 of 57

Efficiency Ratio

70.29%

Rank 30 of 57

Equity / Assets

8.60%

Rank 50 of 57

Non-interest income vs. expense

Unfavorable gap of $14.9M · efficiency ratio beats 49% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.83%	0.51%	0.84%	1.19%	Beats 47%	30 / 57
Return on Equity	9.68%	3.13%	7.76%	11.40%	Beats 65%	20 / 57
Net Interest Margin	3.93%	3.16%	3.63%	4.08%	Beats 68%	18 / 57
Efficiency Ratio	70.29%	59.57%	69.70%	81.06%	Beats 49%	30 / 57
Asset Quality
Nonperforming Loans / Loans	0.12%	0.06%	0.34%	1.78%	Beats 70%	18 / 56
Net Charge-Offs / Loans	0.01%	n/a	0.00%	0.01%	Beats 25%	43 / 56
Capital
Tier 1 Capital Ratio	10.54%	12.24%	16.06%	19.69%	Beats 11%	51 / 57
Total Risk-Based Capital Ratio	11.79%	12.54%	16.50%	20.95%	Beats 14%	49 / 57
Equity / Assets	8.60%	9.37%	11.56%	15.00%	Beats 12%	50 / 57
Liquidity & Funding
Loans / Deposits	92.15%	66.29%	85.59%	95.16%	65th pctl	20 / 57
Loans / Assets	81.59%	57.07%	71.07%	78.13%	82nd pctl	10 / 57
Brokered Deposits / Deposits	n/a	Not reported for this institution