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Pan American Bank And Trust

IDRSSD: 2343167
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q1QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #2343167 2024-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.44% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↑ +5
  • Reserves
    ↓ -7

The five pillars

Liquidity

StableQoQ -3
66
Sub-score

Liquidity is stable: brokered 9.8%, loans/deposits 90.6%, cash 2.4% of assets.

Cash / Assets
2.44%
Loans / Deposits
90.60%
Brokered %
9.83%

Watch Items

  • infoCash / Assets below 3% — Cash 2.44% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.06%
No watch items at this period.

Capitalization

StableQoQ -7
61
Sub-score

Capital position is stable: Tier 1 RBC 10.25%, CET1 10.25%, leverage 8.52%.

Tier 1 RBC
10.25%
CET1
10.25%
Leverage
8.52%
No watch items at this period.

Asset Quality

StrongQoQ +5
91
Sub-score

Asset quality is strong: Adjusted NPL 1.53%, Texas Ratio 12.6%, NCO YTD 0.04%.

Adjusted NPL
1.53%
Govt-guarantees stripped
Texas Ratio
12.6%
NCO YTD
0.04%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -7
84
Sub-score

Reserves are strong: ALLL 1.89% of loans, coverage 125.9%, true coverage 125.9%.

ALLL / Loans
1.89%
Coverage
125.9%
True Loss Coverage
125.9%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 11:45:59 UTC