HAMLIN BANK AND TRUST COMPANY

SMETHPORT, PA | Small | Est. Dec. 31, 1863, midnight | FDIC #11113 | RSSD #291611 | FDIC
Latest Report: 2025-12-31

HAMLIN BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in SMETHPORT, PA, established in Dec. 31, 1863, midnight. As of 2025-12-31, the bank reported total assets of $482M and total deposits of $373M. Profitability stands at 1.58% ROA and 7.75% ROE, with a net interest margin of 3.63%. The bank's CET1 capital ratio is 20.18%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.21% and a Texas Ratio of 0.85%. FDIC Certificate #11113.

Assets

$482M

Deposits

$373M

Loans

$304M

Equity

$97M

Profitability

Return on Assets (ROA) 1.58%
Return on Equity (ROE) 7.75%
Net Interest Margin (NIM) 3.63%
Yield on Assets 5.24%
Cost of Funds 1.90%

Asset Quality

NPL Ratio 0.21%
Net Charge-Off Ratio 0.10%
Texas Ratio 0.85%
NPA Ratio 0.18%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 20.18%
Tier 1 Capital 20.18%
Total Capital Ratio 21.19%
Leverage Ratio 20.04%
Loan-to-Deposit 81.32%

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