Online Banking

Financing Your Business

We are committed to providing business solutions tailored to the specific needs of our clients, establishing a foundation they can use to focus on success.

Commercial Real Estate Loans

As a community minded financial institution, Pan American Bank & Trust specializes in financing a variety of commercial real estate. Acceptable collateral includes, but is not limited to, mixed-use real estate (a combination of store fronts and residential apartments) or single use commercial real estate such as apartment buildings, warehouses, grocery stores, etc.  Pan American Bank & Trust offers both fixed and variable rate balloon and term loans.

Commercial Real Estate Lines-of-Credit

Our Line-of-Credit loans have interest-only monthly payments.  The advance rates on these loans are collateral dependent.

Commercial Letters-of-Credit

Pan American Bank & Trust issues collateral secured letters-of-credit.  Letters-of-Credit may be issued for a total up to 100% of the amount of the collateral.

Overdraft Protection

A "Safety Net" for your checking account

Pan American Bank & Trust offers worry-free banking when Overdraft Protection (ODP) is added to a checking account.  If an account should become overdrawn, the Bank will automatically transfer funds in $50.00 increments, saving you the inconvenience and embarrassment of a returned check.  Below are some of the important details.  Contact one of our experienced lenders to learn more and apply for this convenient loan.

Interest Rate and Interest Charges

Annual Percentage Rate (APR) for Overdraft and Cash Advances


Minimum Interest Charge

If you are charged interest, the charge will be no less than $.01

Paying Interest

You will be charged interest from the transaction date.


Annual Fee