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Hamlin Bank And Trust Company
Smethport, PA · FDIC Certificate #11113 · Chartered 12/3
Total assets
$503.39M
Total deposits
$389.30M
Total equity
$101.56M
Net loans
$301.46M
Branches (offices)
10
Net income (YTD)
$7.46M
Rank: #1,778 of 4,213 U.S. banks by assets · #67 of 109 in Pennsylvania. Assets changed 11.9% and deposits 11.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 3.02% |
| Return on equity | 15.09% |
| Net interest margin (YTD) | 3.57% |
| Equity to assets | 20.17% |
| Tier 1 leverage ratio | 19.96% |
| Uninsured deposits (share of deposits) | 13.3% |
| Noncurrent loans (share of loans) | 0.96% |
| Net charge-offs (share of loans) | 0.14% |
| Loans to deposits | 77.4% |
| Real estate loans (share of loans) | 92.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $278.29M | 92.3% | |
| Commercial & industrial | $5.88M | 2.0% | |
| Consumer / individual | $20.40M | 6.8% | |
| Construction & development | $1.12M | 0.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $484.62M | $394.28M | -$1.15M | $83.37M |
| Jun 2023 | $421.94M | $338.21M | -$1.96M | $79.23M |
| Jun 2024 | $419.83M | $322.01M | $561.00K | $83.18M |
| Jun 2025 | $449.84M | $350.63M | $2.19M | $90.49M |
| Jun 2026 | $503.39M | $389.30M | $7.46M | $101.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $367.59M | 9 |
| New York | $21.71M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $389.30M.
Similar-sized banks
Peoples Bank ($503.47M) · First Electronic Bank ($502.86M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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