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Pan American Bank & Trust

Melrose Park, IL · Cert 34108 · Solvtrust Financial Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

$536.1MAssets
$437.4MLoans
$474.7MDeposits
$46.1MEquity
Loan mix
82%RE $352.3M16%C&I $67.0M3%Consumer $12.3MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $391.6M18%Noninterest $83.1MQ2 2025Q2 2026

NIM

5.65%Q2 ’245.73%Q2 ’255.72%Q2 ’26+4%+3%

Non-interest income vs. expense

2.73%Q2 ’242.89%Q2 ’252.91%Q2 ’26+9%+1%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #69 of 147 inst. · $0.5B of $630.7B

0.1% Cook
0.1% DuPage

Executive Summary

  • Earnings: ROA of 0.83%, up 11 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.12% of loans (+9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.63%, down 66 bps from a year ago.
  • Funding: loans stand at 92.15% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.83%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.93%+13 bps YoY

Efficiency Ratio (YTD, annualized)

70.29%-181 bps YoY

Tier 1 Leverage Ratio

8.63%-66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.78%0.82%0.81%0.83%+11 bps
Return on Equity8.19%9.01%9.53%9.62%9.78%+158 bps
Net Interest Margin3.80%3.68%3.72%3.97%3.93%+13 bps
Efficiency Ratio72.10%70.24%68.99%70.19%70.29%-181 bps
Non-Interest Burden2.68%2.52%2.50%2.72%2.70%+2 bps
Growth
Asset Growth (YoY)1.25%2.49%8.55%10.79%3.53%+228 bps
Loan Growth (YoY)-0.43%3.44%9.89%11.62%3.71%+415 bps
Deposit Growth (YoY)6.22%3.92%11.94%11.51%1.12%-510 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.28%0.25%0.31%0.12%+9 bps
Net Charge-Offs / Loans0.13%0.09%0.07%0.02%0.00%-12 bps
Allowance / Loans1.35%1.33%1.33%1.37%1.45%+11 bps
Allowance Coverage of NPLs56.2x4.7x5.3x4.5x12.4x-43.8x
Capital
Tier 1 Leverage Ratio9.29%8.86%8.97%8.79%8.63%-66 bps
Total Risk-Based Capital12.06%11.59%11.51%11.49%11.79%-26 bps
Equity / Assets8.45%8.49%8.36%8.42%8.60%+15 bps
Liquidity & Funding
Loans / Deposits89.84%91.63%90.95%91.43%92.15%+230 bps
Liquid Assets / Assets1.87%1.55%2.60%1.95%3.36%+149 bps
CRE / Total Capitaln/a592%614%618%n/an/a