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Pan American Bank & Trust
Melrose Park, IL · FDIC Certificate #34108 · Chartered 12/2
Total assets
$536.11M
Total deposits
$474.72M
Total equity
$46.09M
Net loans
$431.08M
Branches (offices)
6
Net income (YTD)
$2.23M
Rank: #1,702 of 4,213 U.S. banks by assets · #95 of 322 in Illinois. Assets changed 3.5% and deposits 1.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.83% |
| Return on equity | 9.78% |
| Net interest margin (YTD) | 4.19% |
| Equity to assets | 8.60% |
| Tier 1 leverage ratio | 8.63% |
| Uninsured deposits (share of deposits) | 57.9% |
| Noncurrent loans (share of loans) | 0.12% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 90.8% |
| Real estate loans (share of loans) | 82.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $353.79M | 82.1% | |
| Commercial & industrial | $59.97M | 13.9% | |
| Consumer / individual | $11.84M | 2.7% | |
| Construction & development | $27.06M | 6.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $438.06M | $399.81M | $2.20M | $34.02M |
| Jun 2023 | $475.38M | $434.14M | $2.50M | $36.68M |
| Jun 2024 | $511.42M | $441.99M | $2.37M | $39.65M |
| Jun 2025 | $517.81M | $469.47M | $1.80M | $43.75M |
| Jun 2026 | $536.11M | $474.72M | $2.23M | $46.09M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $474.72M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $474.72M.
Similar-sized banks
First Nations Bank ($536.61M) · Triad Business Bank ($536.05M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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