Hamlin Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hamlin Bank and Trust Company of Smethport, PA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 4.96% | 1.34% | +3.62% | 99th top |
| ROAE | 24.62% | 13.31% | +11.31% | 95th top |
| Net Interest Margin | 3.60% | 3.93% | -0.33% | 32nd below |
| Efficiency Ratio | 62.19% | 61.14% | +1.05% | 48th below |
| PPNR / Avg Assets | 1.42% | 1.68% | -0.26% | 40th below |
| Yield on Earning Assets | 5.08% | 5.67% | -0.59% | 26th below |
| Cost of Funds | 1.93% | 1.88% | +0.05% | 42nd below |
| Net Interest Spread | 2.71% | 3.32% | -0.61% | 21st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.29% | 0.94% | -0.65% | 58th above |
| NPA / Total Assets | 0.23% | 0.70% | -0.47% | 57th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.14% | 0.16% | -0.02% | 16th bottom |
| ACL / Total Loans | 1.04% | 1.28% | -0.24% | 31st below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 361.55% | 1539.30% | -1177.75% | 64th above |
| Texas Ratio | 3.21% | 7.33% | -4.12% | 52nd above |
| Provision / NCO | 60.19% | 1396.48% | -1336.29% | 30th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 19.96% | 12.13% | +7.83% | 96th top |
| Equity / Assets | 20.17% | 11.37% | +8.80% | 96th top |
| TCE / Tangible Assets | 20.17% | 11.09% | +9.08% | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.25% | 80.64% | -2.39% | 55th above |
| Core Deposit Ratio | 90.83% | 86.86% | +3.97% | 60th above |
| Wholesale Funding Ratio | 0.02% | 5.04% | -5.02% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.90% | 6.85% | +5.05% | 87th top |
| Loan Growth (Y/Y) | 4.13% | 7.90% | -3.77% | 43rd below |
| Deposit Growth (Y/Y) | 11.03% | 6.29% | +4.74% | 85th top |
See Hamlin Bank and Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hamlin Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Hamlin Bank and Trust Company profile, how to read a UBPR, or how this data updates.