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Hamlin Bank and Trust Company

$100M-$1B Specialty: Mortgage PA FDIC cert 11113

Smethport, PA

10 branches across PA · NY

2664 banks in the $100M-$1B peer group nationally 55 in PA
View $100M-$1B leaderboard (PA) →

Hamlin Bank and Trust Company has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.11% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 42.2% in tier
  • - ROA 0.19% below tier average
  • - Net Interest Margin 0.44% below tier average
  • - Efficiency Ratio 0.47% above tier average
Get updates when Hamlin Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $495.7M
+12.2% YoY +2.9% QoQ
+$109.6M $386.1M
+0.5% YoY
$3.1B
+7.0% YoY
$6.2B
+9.1% YoY
72%
Total Loans ? $299.3M
+3.6% YoY -0.3% QoQ
+$43.6M $255.7M
+1.1% YoY
$2.2B
+7.7% YoY
$3.2B
+10.8% YoY
68%
Total Deposits ? $389.0M
+12.1% YoY +4.2% QoQ
+$61.1M $328.0M
+0.1% YoY
$2.6B
+7.1% YoY
$4.8B
+8.2% YoY
69%
Return on Assets ? 1.08%
+307.6% YoY -28.7% QoQ
-0.19% 1.27%
+12.9% YoY
1.46%
+26.2% YoY
1.23%
+13.4% YoY
43%
Net Interest Margin ? 3.49%
+1.1% YoY +0.0% QoQ
-0.44% 3.93%
+6.0% YoY
3.32%
+8.7% YoY
3.89%
+5.7% YoY
30%
Efficiency Ratio ? 65.76%
-5.0% YoY -8.2% QoQ
+0.47% 65.29%
-4.5% YoY
69.09%
-7.7% YoY
66.95%
-4.1% YoY
43%
Delinquency Rate ? 0.78%
-22.0% YoY -30.6% QoQ
-0.11% 0.89%
+18.8% YoY
0.92%
+20.5% YoY
0.95%
+18.8% YoY
34%
Loan-to-Deposit Ratio ? 76.94%
-7.6% YoY -4.4% QoQ
+0.30% 76.64%
+0.8% YoY
83.35%
-0.2% YoY
76.70%
+0.9% YoY
53%
Non-Interest-Bearing Deposit Share ? 21.36%
-7.9% YoY -1.7% QoQ
-0.66% 22.02%
-1.0% YoY
17.71%
-0.1% YoY
22.01%
-1.2% YoY
51%
Nonperforming Asset Ratio ? 0.53%
-23.8% YoY -28.8% QoQ
-0.11% 0.64%
+19.7% YoY
0.67%
+14.7% YoY
0.67%
+19.3% YoY
36%
Tier 1 Capital Ratio ? 19.77%
-4.0% YoY -1.3% QoQ
+3.94% 15.83%
+1.5% YoY
20.10%
+0.3% YoY
17.06%
+0.8% YoY
Top 13.9% in tier
Non-Interest Income / Assets ? 0.07%
-14.2% YoY -77.4% QoQ
-0.21% 0.28%
+9.3% YoY
0.69%
+18.0% YoY
0.32%
+4.1% YoY
30%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk
#313 of 739 • Bottom 42.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 19.77%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 76.94%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

371
Tier 1 Capital Ratio
capital
Value: 19.77%
Peer Median: 15.83%
#371 of 2664 Top 13.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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