Pan American Bank & Trust (FDIC certificate #34108) is based in Melrose Park, Illinois. Its Q2 2026 call report shows $536.1M in total assets and $474.7M in deposits and 6 offices.
Based on its Q2 2026 filing, Pan American Bank & Trust scores 59/100, which we describe as moderate. That is higher than only 17% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 255th. Its strongest component is problem-loan coverage (98/100; 1.0%), and its lowest is funding & liquidity (22/100; 91% loans-to-deposits, 58% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (61 → 59), mostly because the capital cushion component weakened by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 46 |
| Q3 2024 | 47 |
| Q4 2024 | 63 |
| Q1 2025 | 58 |
| Q2 2025 | 61 |
| Q3 2025 | 57 |
| Q4 2025 | 58 |
| Q1 2026 | 57 |
| Q2 2026 | 59 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.44% |
| Q3 2024 | 8.50% |
| Q4 2024 | 9.01% |
| Q1 2025 | 9.37% |
| Q2 2025 | 9.29% |
| Q3 2025 | 8.86% |
| Q4 2025 | 8.97% |
| Q1 2026 | 8.79% |
| Q2 2026 | 8.63% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.32% |
| Q3 2024 | 1.34% |
| Q4 2024 | 0.17% |
| Q1 2025 | 0.30% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.28% |
| Q4 2025 | 0.25% |
| Q1 2026 | 0.31% |
| Q2 2026 | 0.12% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.95% |
| Q3 2024 | 1.01% |
| Q4 2024 | 1.30% |
| Q1 2025 | 0.63% |
| Q2 2025 | 0.72% |
| Q3 2025 | 0.78% |
| Q4 2025 | 0.82% |
| Q1 2026 | 0.81% |
| Q2 2026 | 0.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $536.1M | 8.63% | 0.12% | 0.83% | 90.8% |
| Q1 2026 | 57 | $539.4M | 8.79% | 0.31% | 0.81% | 90.2% |
| Q4 2025 | 58 | $542.0M | 8.97% | 0.25% | 0.82% | 89.7% |
| Q3 2025 | 57 | $525.3M | 8.86% | 0.28% | 0.78% | 90.4% |
| Q2 2025 | 61 | $517.8M | 9.29% | 0.02% | 0.72% | 88.6% |
| Q1 2025 | 58 | $486.9M | 9.37% | 0.30% | 0.63% | 90.0% |
| Q4 2024 | 63 | $499.3M | 9.01% | 0.17% | 1.30% | 91.4% |
| Q3 2024 | 47 | $512.6M | 8.50% | 1.34% | 1.01% | 90.5% |
| Q2 2024 | 46 | $511.4M | 8.44% | 1.32% | 0.95% | 94.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Nations BankBank Chicago, IL | 82 out of 100, Strong | $536.6M | 14.1% | 0.12% | vs |
| Citizens Community BankBank Mascoutah, IL | 31 out of 100, Low | $531.0M | 9.8% | 5.81% | vs |
| First Secure Community BankBank Sugar Grove, IL | 34 out of 100, Low | $528.8M | 9.4% | 2.85% | vs |
| Lisle Savings BankBank Lisle, IL | 80 out of 100, Strong | $544.5M | 26.1% | 0.95% | vs |
| Germantown Trust & Savings BankBank Breese, IL | 87 out of 100, Very strong | $523.6M | 11.6% | 0.13% | vs |
| First Robinson Savings Bank, National AssociationBank Robinson, IL | 57 out of 100, Moderate | $512.1M | 8.7% | 1.37% | vs |
Deposit insurance
Is my money safe at Pan American Bank & Trust?
Yes. Pan American Bank & Trust is an FDIC-insured institution (FDIC certificate #34108). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 57.9% of deposits ($274.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.63%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.79% (benchmark: 10%).
6 locations
Branches
Pan American Bank & Trust lists 6 offices in 6 cities. Most locations:
- Bellwood, IL (1)
- Bloomingdale, IL (1)
- Chicago, IL (1)
- Melrose Park, IL (1)
- Oak Brook, IL (1)
- Palatine, IL (1)
Identity & history
Profile
- Legal name
- Pan American Bank & Trust
- Former names
- Pan American Bank
- Type
- State-chartered bank
- FDIC certificate #
- 34108
- RSSD ID
- 2343167
- Primary regulator
- FDIC
- Holding company
- Solvtrust Financial Corp
- Established
- December 22, 1995
- Headquarters
- 1440 W North Ave, Melrose Park, IL 60160
- Website
- www.panamerbank.com
- Employees
- 70
Quick answers
Pan American Bank & Trust: common questions
Is Pan American Bank & Trust FDIC insured?
Yes. Pan American Bank & Trust is an FDIC-insured institution (FDIC certificate #34108). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Pan American Bank & Trust's TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Pan American Bank & Trust ever failed?
There is no failure record for FDIC certificate #34108 in the FDIC failed bank list.
How many branches does Pan American Bank & Trust have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Melrose Park
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pilgrim Baptist Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $263K | 25.8% | 0.00% | vs |
| M.W.P.H. Grand Lodge of Illinois Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $418K | 18.5% | — | vs |
| Evergreen Park Schools Federal Credit UnionCredit union Evergreen Park, IL | 100 out of 100, Very strong | $10.0M | 19.4% | 0.00% | vs |
| Israel Methcomm Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $2.0M | 15.5% | 0.00% | vs |
| Western Springs Federal Credit UnionCredit union Western Springs, IL | 95 out of 100, Very strong | $3.9M | 18.2% | 0.46% | vs |
| St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $383K | 15.0% | 0.00% | vs |