Hamlin Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Hamlin Bank and Trust Company is an FDIC-insured commercial bank headquartered in Smethport, PA, established in 1863 (FDIC certificate 11113), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $503.4M, up 11.9% from Q2 2025, the 67th largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 19.96% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11113
- Headquarters
- Smethport, PA
- Established
- 1863
- Total assets, Q2 2026
- $503.4M
- Assets vs Q2 2025
- +11.9%
- Tier 1 leverage ratio, Q2 2026
- 19.96%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 031309505
- Latest call report
- Q2 2026, FFIEC 051 · Hamlin Bank and Trust Company call report
- Asset rank in state
- 67th of 109 in Pennsylvania
Hamlin Bank and Trust Company carries far more capital than most banks of its size. Its balance sheet stood at $503 million at June 30, 2026, up 11.9% from a year earlier; it is based in Smethport, Pennsylvania. It funds 19.96% of its assets with Tier 1 capital, about double the median of 10.99% for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans equal to only 8% of its capital, a small fraction of the median of 1.2 times for banks its size.
Its reported earnings move with the stock market: it holds equity securities whose value runs through net income, and they gained $6.0 million on paper in the quarter, out of $7.7 million of pre-tax income. Return on assets swings accordingly, so it is not compared with peers here. Deposits are coming in faster than loans: over the year loans rose 4.1% and deposits rose 11.0%.
As of June 30, 2026, Hamlin Bank and Trust Company reported a return on assets of 4.96%, a nonperforming-loan ratio of 0.96% and a Texas ratio of 3.07%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Hamlin Bank and Trust Company is the 67th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.6% to $503.4M, loans rose 0.7% and deposits rose 0.1%. 1-4 family residential loans made up 84.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 4.7%. The FDIC Summary of Deposits lists 10 offices for it, in 8 cities across 2 states; its Smethport 2 offices book 30% of its branch deposits. On its Q2 2026 call report, Hamlin Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 333 W Main St, Smethport, PA 16749
- County
- Mckean
- Metro Area
- Bradford, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 31, 1863
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 98
- Domestic deposits
- $389.3M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $216K
- Average total assets
- $494.6M
- Average total loans
- $303.9M
- Average interest-bearing deposits
- $286.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11113
- Fed RSSD
- 291611
- Website
- www.hamlinbank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Hamlin Bank and Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Hamlin Bank and Trust Company's total assets ran between $419.8M (Q2 2024) and $503.4M (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$503.4M total assets against $449.8M; $401.8M total liabilities against $359.3M.
$301.5M net loans and leases against $289.2M; $389.3M total deposits against $350.6M.
$160.4M securities against $128.8M; $22.4M cash and balances due against $17.1M.
$6.1M total interest income against $5.3M; $1.8M total interest expense against $1.5M.
$4.3M net interest income against $3.7M.
$375K total noninterest income against $342K; $2.9M total noninterest expense against $2.9M.
$90K provision for credit losses against $105K.
$6.1M net income against $2.8M.
4.96% return on assets against 2.47%; 3.60% net interest margin against 3.49%.
19.96% tier 1 leverage ratio against 20.51%.
Inside the full Hamlin Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHamlin Bank and Trust Company rankings
Its closest position to the top of a national ranking is 1,771 of 4,196, for total assets; its furthest is 1,841 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.52% (Q1 2025) to 4.96% (Q2 2026) and its net interest margin ran from 3.32% (Q4 2024) to 3.60% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.96% | 4.96% | 0.96% | 3.07% | 3.60% |
| Q1 2026 | 19.77% | 1.10% | 0.77% | 2.61% | 3.48% |
| Q4 2025 | 20.04% | 1.58% | 1.11% | 3.58% | 3.48% |
| Q3 2025 | 20.71% | 2.48% | 1.24% | 4.08% | 3.48% |
| Q2 2025 | 20.51% | 2.47% | 1.20% | 4.09% | 3.49% |
| Q1 2025 | 20.59% | -0.52% | 0.99% | 3.33% | 3.37% |
| Q4 2024 | 21.24% | 1.48% | 1.15% | 3.84% | 3.32% |
| Q3 2024 | 21.91% | 3.24% | 1.25% | 4.20% | 3.35% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Hamlin Bank and Trust Company (main office) | Smethport , PA | 16749 | $118.1M |
| Kane Branch | Kane , PA | 16735 | $96.7M |
| Eldred Branch | Eldred , PA | 16731 | $53.6M |
| Bradford Branch | Bradford , PA | 16701 | $49.9M |
| Mount Jewett Branch | Mount Jewett , PA | 16740 | $23.1M |
| Olean Branch | Olean , NY | 14760 | $21.7M |
| St. Marys Branch Office | Saint Marys , PA | 15857 | $19.0M |
| Sheffield Branch | Sheffield , PA | 16347 | $7.3M |
| East Water Street Branch | Smethport , PA | 16749 | $0 |
| Kane Drive-In Branch | Kane , PA | 16735 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 2, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 2, 1984 | Structure Change | Acquired The First National Bank of Eldred Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 29, 1963 | Structure Change | Acquired Kane Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1962 | Structure Change | Acquired Mount Jewett National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 93 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $284K approved, $284K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1993 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Hamlin Bank and Trust Company
What are Hamlin Bank and Trust Company's total assets?
As of the Q2 2026 filing, Hamlin Bank and Trust Company reported total assets of $503.4 million in its FFIEC call report.
Where is Hamlin Bank and Trust Company headquartered?
It is headquartered in Smethport, PA, United States.
When was Hamlin Bank and Trust Company founded?
It was established in 1863, per the FDIC institution directory.
Is Hamlin Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11113). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hamlin Bank and Trust Company?
Hamlin Bank and Trust Company's primary federal regulator is the FDIC.
How many branches does Hamlin Bank and Trust Company operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hamlin Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 3.07% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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