# PAN AMERICAN BANK
LOS ANGELES, CA · FDIC certificate 20448 · asset band <$300M · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $159.5M | |
| Deposits | $122.5M | |
| Loans and leases | $114.3M | |
| Total equity | $35.7M | |
| Loans / deposits | 90.33% (p81 of band) | 72.92% |
| Liquid assets / assets | 22.86% (p28 of band) | |
| Uninsured deposits / deposits | 9.31% (p29 of band) | 13.88% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 21.95% (p96 of band) | 10.70% |
| Unrealized securities loss / equity | 0.31% (p29 of band) | 1.19% |
| AOCI / equity | 0.05% (p23 of band) | |
| ROA (annualized) | -0.57% (p3 of band) | 0.83% |
| Net interest margin | 11.23% (p100 of band) | 3.64% |
| Efficiency ratio | 72.40% (p49 of band) | |
| Noncurrent loans | 2.43% (p85 of band) | 0.70% |
| Net charge-offs (annualized) | 4.58% (p100 of band) | |
| Reserve coverage of noncurrent | 131.96% | |
| Real estate % of loans | 13% | |
| Construction % of loans | 0.61% (p16 of band) | |
| Auto loans | $86.4M (75.58% of loans; DQ 7.95%, NCO 4.37%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 293.9% | |
| Employees | 77 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 6 | liquid assets <10%, leverage <5% | reserve under noncurrent |
| 2011-09 | 6 | capital falling | liquid assets <10% |
| 2011-12 | 7 | liquid assets <10% |  |
| 2012-03 | 6 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | leverage <7%, leverage <5%, capital falling, liquid assets <10% |
| 2012-06 | 5 |  | assets shrinking |
| 2012-09 | 9 | capital falling, noncurrent p90, reserve under noncurrent, assets shrinking |  |
| 2012-12 | 7 |  | uninsured deposits leaving, assets shrinking |
| 2013-03 | 2 |  | losing money, expense ratio p90, charge-offs p90, deposits shrinking, capital falling |
| 2013-06 | 3 | charge-offs p90 |  |
| 2013-09 | 7 | leverage <7%, capital falling, losing money, expense ratio p90 |  |
| 2013-12 | 9 | leverage <5% |  |
| 2014-03 | 9 |  |  |
| 2014-06 | 10 | uninsured deposits leaving |  |
| 2014-09 | 4 |  | charge-offs p90, leverage <7%, capital falling, leverage <5%, uninsured deposits leaving |
| 2014-12 | 6 | deposits shrinking, assets shrinking |  |
| 2015-03 | 7 | capital falling |  |
| 2015-06 | 7 | charge-offs p90 | assets shrinking |
| 2015-09 | 3 | auto book souring | noncurrent p90, reserve under noncurrent, expense ratio p90, deposits shrinking, capital falling |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2015-02-26 [Finance and Thrift Co. to buy Pan American Bank in East L.A. - Los Angeles Times](https://news.google.com/rss/articles/CBMigAFBVV95cUxNdTBxUHllMHlieWlucWtzM2g1aTE3Q09ULUpQTjdtT2pUa3V1aTI5TERLd3RJNUVXeHlZdWpaeTdYMDRGLVgyaFdNQWhXWmhMX0V0T25DZ0lIWG1DN2JSV0lsaHB1d1pxNFBSZzIxMVFUMUpOeFI4QUo2STdEOURrdg?oc=5) · Los Angeles Times
- 2016-01-15 [Beneficial State Bank to purchase Pan American Bank - recorderonline.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNM1ZlYWtwR0xxTHpCOWdZVl9INUtIM3pZRHY5VFFhVGFqTzAyS1RaVkktUGNURUpoU3lJZDNIaTVINWVReE16YnhJdjlWTERhbEVQeC1LbFZfOWtZWTNNSHBrMy1IS2drWU5jaVdCMHFYeEtiRVl5alQtSG1kMXlYY3JNRFdycUI1b3B4UjB6MGFBcjdIakp3ZGJ1YXByS1g5VDcxTTVoWGwwV1IzYWMtTC1xWDhCcDA5MGNYdkVKZU56eEFnOGJnTmFLSlItWVByNDJ3?oc=5) · recorderonline.com
- 2014-07-23 [East L.A.’s Pan American Bank gets $6-million bailout from other banks - Los Angeles Times](https://news.google.com/rss/articles/CBMiigFBVV95cUxQRHVqVWlOQzVuR2w1eEhsbmN2UDNTOG1HM2lwR05tLUNJOU5MUEJqNVRZaXpWdy1WVWZTNHdfSE9nYXRsdDVBVGpwVUdYYkdHMWNaN2M0TUFsUVppRFc2X0wtSzhreGNKUGhUSkNKRndLckZ5bHZaNlp4ZDBnZFJody1UMFg5M2FfdlE?oc=5) · Los Angeles Times
- 2017-04-14 [Pan-American Building in East Los Angeles added to National Register of Historic Places - The Architect’s Newspaper](https://news.google.com/rss/articles/CBMilAFBVV95cUxONUlXU0lPUnRlSzlPX0JkMDFRNUYtRS1yNHdTcE10YWU2ckxydXJhSlBkNG14dW5ZZldRTTZHM0VHSDdCSlZCSzdJZF9XLUVxQ1M4ZVVwODJYZ041NVJfaGFrZ0h6Z1dZZ2lENS1CM0ZvYVA0ZEZ3RGl3bjYtMlZ4VmdSb09NdzRaX3pMNTZsNXppbk9M?oc=5) · The Architect’s Newspaper
- 2020-08-23 [Tom Steyer’s bank to revise auto loan collection practices - Auto Finance News](https://news.google.com/rss/articles/CBMiywFBVV95cUxNWTZUeF9QRDUzOFo0MEN4aWNMWERDY1BUWkFvNmtscE9wY256LUlEQ3FfZGNJYVN3QUYzNWJwZjZrWi1lNDhtTjZQbjd1WnVHZHJnNUs5LVB5Uk5POFdRSnNxLWVYYUFlMjdGdERsYmVjZXNoYjJlQzIyUVRLcjhwWnF6ajhFbnYzdTcweVcyN2EwTXZ3YmFkV1EtRmFENEFFMzdJUm5RZWNKQlFxRkVNbXdpSWJjcDVSLVBKVlhSVDc0UWlDNklBY01jbw?oc=5) · Auto Finance News
- 2025-10-17 [This urban planner is leading tours behind Chicano-shaped spaces in East LA | Boyle Heights Beat - LA Local](https://news.google.com/rss/articles/CBMijwFBVV95cUxPOHNpMGtLSU5UOVkyLXpRb0ZnSFFjZzJPdEFBcVBtZkNBbWVRZldMTW1uQmk0N0M1MGx2bkpURmFidzVfdkFSM1NHOHdxQXZ0c3VFeFd4blJqdG9sZUpZZG42MTg5a0Q2cC1rb3lJeFJJaUhZMTJROHhaQ2s4dnlxb2lfUWZsRkxKb0dSRmQ2Yw?oc=5) · LA Local
- 2024-05-10 [Robert Wilson Obituary - CA - East Bay Times](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5VaHZ3SndNOTlrOFc4dU42RVVnWkFnTGl0WGN4ZFdkaXJ1dmFzMTNZQlBqUVhUUFlBbkducEp1b0trWTJrQmR3MlRaaVU1a25NSUpIaUllWHJySzA0ZEw3R1dQeHNnWUE?oc=5) · East Bay Times
- 2015-02-27 [Finance and Thrift merging with L.A. bank - recorderonline.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPTUZKQ29rbUVXa2M1ZnR4ZmtldnluZGpTTW9zU0xXT2R5QTFRQ1l5YVg1bVpvVm9zV3F5MEJrcXVNTVRJQ2ZzNHBja1U2UkthbEV3MVJFeGh4Q3FKWkRIY1VyZlhQdU1MVW9LOVo2RmRzdjZNdVNxTFpsWk9SalV5V3FEMkNCc2JObU01Szk5WE9sLVlUb1V4VW14Y1JPRjU4anliNV84Tkp3Mm84cmRnUHBSdmxkb29KNFF6Yy11Tl9VenctMFlwTzhqTDFOMXV2VVVv?oc=5) · recorderonline.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20448 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/32.json (key "20448", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide