Total Assets
$542M
Total balance-sheet footings
FDIC Cert #34108 · Melrose Park, Illinois · Est. 1995
Pan American Bank & Trust - FDIC Bank Health Profile
A community-scale look at Pan American Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $542M
- Total assets
- B
- Health grade · Good
- 0.82%
- Return on assets
- 10.3%
- Tier 1 capital
Data updated July 2026
The verdict
Pan American Bank & Trust earns a PlainBankData health grade of B (70/100), with well-capitalized at 10.26% Tier 1, 0.82% ROA, 69% efficiency ratio.
- #1,697
- largest of 4,313 FDIC banks by assets
- 61st
- percentile by asset size, nationally
- 10.26%
- Tier 1 ratio - above the 10% well-capitalized line
- 31st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Pan American Bank & Trust's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Pan American Bank & Trust's composite health score
Tier 1 Capital Ratio (10.26%) 28/40
Return on Assets (ROA) (0.82%) 14/25
Texas Ratio (2.18%) 20/20
Efficiency Ratio (68.99%) 8/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$492M
Customer-funded liabilities
Net Loans
$442M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Pan American Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Pan American Bank & Trust's score of 70/100 falls in the highlighted band.
Pan American Bank & Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Pan American Bank & Trust's $542M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.26% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.26%
Texas Ratio
2.18%
Equity Capital
$45M
Profitability metrics
Return on Assets (ROA)
31st percentile nationally
0.82%
Return on Equity (ROE)
9.53%
Efficiency Ratio
68.99%
What the numbers say about Pan American Bank & Trust
Pan American Bank & Trust is an FDIC-insured institution (Certificate #34108) headquartered in Melrose Park, Illinois, established in 1995. It holds $542M in total assets - 1,697th of 4,313 FDIC-insured banks, $492M in customer deposits, and $442M in net loans. Its capital position: a Tier 1 ratio of 10.26%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.18% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (70 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Pan American Bank & Trust sits 95th of 330 banks headquartered in Illinois by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$30M
Interest Income
$1M
Non-Interest Income
$14M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Pan American Bank & Trust reports a Texas Ratio of 2.18% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.18% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Pan American Bank & Trust (FDIC Cert #34108) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is Pan American Bank & Trust's health grade?▼
Pan American Bank & Trust receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Pan American Bank & Trust?▼
Pan American Bank & Trust holds $542M in total assets and $492M in deposits, ranking 1,697th of 4,313 FDIC-insured banks by asset size. It is headquartered in Melrose Park, Illinois.
Is my money safe at Pan American Bank & Trust?▼
Yes, deposits at Pan American Bank & Trust (Certificate #34108) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Pan American Bank & Trust's Tier 1 Capital Ratio?▼
Pan American Bank & Trust has a Tier 1 Capital Ratio of 10.26%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Pan American Bank & Trust?▼
Pan American Bank & Trust has a Texas Ratio of 2.18%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Pan American Bank & Trust?▼
Pan American Bank & Trust has an Efficiency Ratio of 68.99%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Pan American Bank & Trust's profile as a depositor or analyst.
- Pan American Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Pan American Bank & Trust against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.