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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q4QoQ +4

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

Quarterly Headline

2024-Q4

Bank #2343167 2024-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.63% of loans.

What changed this quarter

Compared to Q3 2024:
↑ +4 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +13
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +12

The five pillars

Liquidity

StableQoQ -2
68
Sub-score

Liquidity is stable: brokered 9.3%, loans/deposits 91.4%, cash 3.1% of assets.

Cash / Assets
3.13%
Loans / Deposits
91.38%
Brokered %
9.34%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.05%
No watch items at this period.

Capitalization

StableQoQ +13
68
Sub-score

Capital position is stable: Tier 1 RBC 11.32%, CET1 11.32%, leverage 9.01%.

Tier 1 RBC
11.32%
CET1
11.32%
Leverage
9.01%
No watch items at this period.

Asset Quality

StrongQoQ -2
83
Sub-score

Asset quality is strong: Adjusted NPL 0.17%, Texas Ratio 1.3%, NCO YTD 1.63%.

Adjusted NPL
0.17%
Govt-guarantees stripped
Texas Ratio
1.3%
NCO YTD
1.63%
30-89 PD
0.85%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.63% of loans.

Reserves

StrongQoQ +12
96
Sub-score

Reserves are strong: ALLL 1.37% of loans, coverage 817.2%, true coverage 817.2%.

ALLL / Loans
1.37%
Coverage
817.2%
True Loss Coverage
817.2%
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