Pan American Bank & Trust: how it compares with its peers
Against 114 IL banks with half to twice its assets, Pan American Bank & Trust's strongest measure in Q2 2026 is net interest margin (4.19% vs. a 3.67% peer median). Its weakest relative measure is efficiency ratio (70.29% vs. 62.45%).
| Measure | Pan American Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.83% | 1.17% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.19% | 3.67% | Top third Ahead of 82% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.29% | 62.45% | Bottom third Ahead of 23% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.7M | $7.3M | Middle third Ahead of 59% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.81% | 77.67% | Context |
What it means for lending operations
Its efficiency ratio of 70.29% is above the 62.45% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Nations Bank Chicago, IL · $537M
- Citizens Community Bank Mascoutah, IL · $531M
- First Secure Community Bank Sugar Grove, IL · $529M
- Lisle Savings Bank Lisle, IL · $545M
- Germantown Trust & Savings Bank Breese, IL · $524M
- First Robinson Savings Bank, National Association Robinson, IL · $512M
Questions about Pan American Bank & Trust
How big is Pan American Bank & Trust?
Pan American Bank & Trust, established in 1995, is headquartered in Melrose Park, IL. It reported $536M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Pan American Bank & Trust's return on assets?
0.83% annualized in Q2 2026, against a 1.17% median for 114 IL banks with half to twice its assets, ahead of 25% of them.
What is Pan American Bank & Trust's efficiency ratio?
70.29% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 62.45%, and lower is better.
Is Pan American Bank & Trust growing its loans?
Net loans grew 3.6% over the year to Q2 2026, while deposits grew 1.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.