FDIC certificate 34108
Pan American Bank & Trust
Melrose Park, Illinois · 1440 W North Ave 60160
Hunter Score
This bank ranks near the middle of its size group.
Up 2 points from last quarter.
Compared with 1,424 banks with $300 million to $1 billion in assets.
A high score is not a recommendation to buy or sell.
What stands out
Pan American Bank & Trust has a Hunter Score of 44 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks near the middle of its size group. The comparison is with banks with $300 million to $1 billion in assets.
The FDIC reported noncurrent loans of 0.12% (field NCLNLSR). Among banks with $300 million to $1 billion in assets, the peer rank for this measure is 76 out of 100. A rank of 50 is typical.
The FDIC reported return on assets of 0.83% (field ROA). Among banks with $300 million to $1 billion in assets, the peer rank for this measure is 23 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
- Commercial real estate loans are at least 300% of capitalConstruction loans, multifamily loans, and other nonfarm nonresidential loans (not the owner-occupied ones) totaled $213,047,000, which is 401% of total risk-based capital. The 2006 supervisory guidance uses 300% as a level to look at more closely. From 2023-06-30 to this quarter, the same loan group was up 12%. That is below the 50% growth the guidance also mentions.
- Uninsured deposits are at least half of depositsFDIC's estimated uninsured deposits were $274,702,000, which is 57.9% of total deposits ($474,718,000). We flag this at half. That is a reading aid on this site, not an FDIC limit. The uninsured figure is an estimate for domestic offices, so it will not always match total deposits exactly.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in Illinois with $300 million to $1 billion in assets, ordered by Hunter Score.
- Municipal Trust and Savings Bank91out of 100
- Grundy Bank86out of 100
- State Street Bank and Trust Company82out of 100
- First National Bank of Brookfield81out of 100
- Peoples Bank & Trust77out of 100
Top Hunter Scores in Illinois · Top scores with $300 million to $1 billion in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
9.78%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 32 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
0.83%
Profit for each dollar of assets. Higher is stronger.
Peer rank 23 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
4.19%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 66 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
70.29%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 26 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
0.12%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 76 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202644 out of 100
- Q1 2026, ending March 31, 202642 out of 100
- Q4 2025, ending December 31, 202542 out of 100
- Q3 2025, ending September 30, 202541 out of 100
- Q2 2025, ending June 30, 202546 out of 100
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About this bank
- Total assets
- $536.1 million
- Deposits
- $474.7 million
- Equity
- $46.1 million
- Tangible equity
- $46.1 millionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 6
- Charter
- State bank, not a Federal Reserve member
- Specialty
- Commercial Lending Specialization
- Community bank
- Yes, by the FDIC definition
- Net income
- $2.2 millionYear-to-date, as reported. Not annualized.
Holding company and stock symbol
Holding company: Solvtrust Financial Corp, Melrose Park, IL. Federal Reserve RSSD 5905614.
We do not have a verified stock symbol for this bank. Many community banks are not publicly traded. A symbol is shown only after it matches an SEC filing, or after it is added to the reviewed list.
What is this bank worth per share?
Where it is
1440 W North Ave, Melrose Park, IL 60160
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.