BlastPoint's Banking Scorecard
Pan American Bank & Trust
Community
Specialty: Commercial
IL
FDIC cert 34108
Melrose Park, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Pan American Bank & Trust faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 4% in Community
- - NIB Deposit Bleed: Bottom 9% in Community
- - Credit Quality Pressure: Bottom 22% in Community
- - Credit Risk Growth: Bottom 48% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$542.0M
+8.5% YoY
+3.2% QoQ
|
-$849.5M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$441.5M
+9.9% YoY
+2.6% QoQ
|
-$534.0M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$492.0M
+11.9% YoY
+3.4% QoQ
|
-$672.6M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
0.82%
-37.0% YoY
+4.9% QoQ
|
-0.34% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
3.95%
+0.2% YoY
-0.5% QoQ
|
+0.28% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
68.99%
+1.1% YoY
-1.8% QoQ
|
+6.36% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
0.25%
+49.1% YoY
-11.0% QoQ
|
-0.38% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
89.74%
-1.8% YoY
-0.7% QoQ
|
+6.68% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
15.04%
-26.4% YoY
-9.7% QoQ
|
-6.01% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.21%
+51.0% YoY
-11.5% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
10.26%
-9.3% YoY
-0.7% QoQ
|
+0.02% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.19%
-18.8% YoY
+24.1% QoQ
|
-0.55% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Margin Compression
decline
#6 of 120 · Bottom 4% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.82%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
NIB Deposit Bleed
decline
#9 of 89 · Bottom 9% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
15.04%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Credit Quality Pressure
risk
#179 of 808 · Bottom 22% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.25%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#306 of 642 · Bottom 48% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
68
68th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.66%
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
65
65th pctile
Loan-to-Deposit Ratio
Current: 89.74% · Tier avg: 83.06%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
32
32th pctile
Tier 1 Capital Ratio
Current: 10.26% · Tier avg: 10.24%
29
29th pctile
Efficiency Ratio
Current: 68.99% · Tier avg: 62.63%
26
26th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.04% · Tier avg: 21.05%
21
21th pctile
Total Loans
Current: $441.5M · Tier avg: $975.5M
12
12th pctile
Total Deposits
Current: $492.0M · Tier avg: $1.2B
10
10th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.74%
6
6th pctile
Total Assets
Current: $542.0M · Tier avg: $1.4B
Top Weaknesses
6
6th pctile
Total Assets
Current: $542.0M · Tier avg: $1.4B
10
10th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.74%
12
12th pctile
Total Deposits
Current: $492.0M · Tier avg: $1.2B
21
21th pctile
Total Loans
Current: $441.5M · Tier avg: $975.5M
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.04% · Tier avg: 21.05%
26
26th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
29
29th pctile
Efficiency Ratio
Current: 68.99% · Tier avg: 62.63%
32
32th pctile
Tier 1 Capital Ratio
Current: 10.26% · Tier avg: 10.24%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
65
65th pctile
Loan-to-Deposit Ratio
Current: 89.74% · Tier avg: 83.06%
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
68
68th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.66%