Hamlin Bank and Trust Company

BankSmethport, Pennsylvania
www.hamlinbank.com

Total Assets

$481.5M

Total Deposits

$373.3M

Branches

10

Established

1863

TFS Health Grade

$
C-

70.7 / 100

Average financial health

How we grade

Hamlin Bank and Trust Company is a bank headquartered in Smethport, Pennsylvania, established in 1863. With $481.5M in total assets and 10 branch locations, it has a TFS Financial Health Grade of C- (70.7/100).

Capital & Safety

Tier 1 Capital Ratio
20.04%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.11%

Profitability

Return on Assets (ROA)
1.52%(1%)
Return on Equity (ROE)
7.47%(10%)
Net Interest Margin
3.49%
Efficiency Ratio
71.66%(60%)

Lending & Liquidity

Total Loans
$303.6M
Loan-to-Deposit Ratio
80.45%
Net Charge-Off Ratio
0.11%

Growth

Asset Growth (YoY)
+10.51%
Deposit Growth (YoY)
+12.20%
Net Income
$6.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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