Pan American Bank & Trust
Melrose Park, IL
IDRSSD: 2343167
Total Assets
$525.33M
Latest filing
Total Deposits
$475.76M
Latest filing
Net Interest Margin
4.04%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Pan American Bank & Trust
1440 W North Ave
Melrose Park, IL 60160
Full Service - Brick and Mortar
Updated 11/14/2025Established 12/22/1995FDIC Certificate 56249
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Pan American Bank & Trust (Main) | 1440 W North Ave | Melrose Park, IL |
| BELLWOOD BRANCH | 2801 Saint Charles Rd | Bellwood, IL |
| LITTLE VILLAGE BRANCH | 2737 W Cermak Rd | Chicago, IL |
| NEW PALATINE BRANCH | 190 N Smith St | Palatine, IL |
| BLOOMINGDALE OFFICE BRANCH | 108 W Lake St | Bloomingdale, IL |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/22/1995 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 60160 |
| State and County Number | 17031 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Chicago-Naperville-Elgin, IL-IN-WI |
Operational Info
| Number of Employees | 60 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/22/1995 |
| Primary Insurance Agency | DIF |
| Website | WWW.PANAMERBANK.COM |
| Data Updated | 11/14/2025 |
| CERT | 34108 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $525.33M |
| Total Deposits | $475.76M |
| Total Liabilities | $480.71M |
| Total Equity Capital | $44.63M |
| Net Income | $1.18M |
| Net Loans and Leases | $430.15M |
| Assets Per Employee ($Millions) | $8.47M |
| Bank Premises and Fixed Assets | $3.42M |
| Cash and Balances due from Depository Institutions | $14.87M |
| Deposits Held in Domestic Offices | $475.76M |
Key Performance Ratios
| Return on Assets (ROA) | 0.9% |
| Return on Equity (ROE) | 10.68% |
| Net Interest Margin | 4.04% |
| Efficiency Ratio | 66.77% |
| Tier 1 Risk-Based Capital Ratio | 10.336% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.16% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.495% |
| Earning Assets to total Assets | 95.28% |
Income and Expense
| Total Interest Income | $7.78M |
| Total Noninterest Income | $285.00k |
| Total Interest Expense | $2.75M |
| Total Noninterest Expense | $3.54M |
| Net Interest Income | $5.02M |
| Pre-tax Net Operating Income | $1.56M |
| Provision for Credit Losses | $205.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $29.54M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.95M |
| Total Liabilities and Capital | $525.33M |
Securities
| Securities | $35.21M |
| Available-for-sale debt securities | $32.70M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $2.52M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Pan American Bank & Trust?
$525.33M as of the latest filing.
How much are Pan American Bank & Trust's total deposits?
$475.76M in total deposits.
Where is Pan American Bank & Trust located?
Melrose Park, IL.
What is the Net Interest Margin?
4.04%.
How many domestic offices does it operate?
5.
When was it established?
12/22/1995.
What is the Return on Assets (ROA)?
0.9%.
How much are total loans and leases?
$430.15M (latest filing).
What is the total interest income (latest filing)?
$7.78M.