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Hamlin Bank and Trust Company

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

Smethport, PA

10 branches across PA · NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
  • Deposits +11.0% year over year ($389.3M on the books).
  • Delinquency rate 0.97%.
  • Return on assets 3.02%.
  • Efficiency ratio 64.10% vs a 64.48% peer average.
  • Loan-to-deposit ratio 77.44% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 55 in PA
View $100M-$1B leaderboard (PA) →

Hamlin Bank and Trust Company has 2 strengths but faces 2 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

  • + Profitability Leader: Top 0.2% in tier
  • + Efficiency Ratio 0.38% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 41.4% in tier
  • - Net Interest Margin 0.42% below tier average
Get updates when Hamlin Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $503.4M
+11.9% YoY +1.6% QoQ
+$116.8M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
72%
Total Loans ? $301.5M
+4.2% YoY +0.7% QoQ
+$43.1M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
67%
Total Deposits ? $389.3M
+11.0% YoY +0.1% QoQ
+$62.6M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
69%
Return on Assets ? 3.02%
+204.8% YoY +179.7% QoQ
+1.70% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
Top 1.9% in tier
Net Interest Margin ? 3.57%
+2.6% YoY +2.3% QoQ
-0.42% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
31%
Efficiency Ratio ? 64.10%
-8.2% YoY -2.5% QoQ
-0.38% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
45%
Delinquency Rate ? 0.97%
-20.1% YoY +23.9% QoQ
+0.05% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
29%
Loan-to-Deposit Ratio ? 77.44%
-6.1% YoY +0.6% QoQ
-0.52% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
55%
Non-Interest-Bearing Deposit Share ? 22.70%
+1.7% YoY +6.3% QoQ
+0.67% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
58%
Nonperforming Asset Ratio ? 0.64%
-25.2% YoY +19.9% QoQ
-0.03% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
33%
Tier 1 Capital Ratio ? 19.96%
-2.7% YoY +1.0% QoQ
+4.05% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
Top 14.0% in tier
Non-Interest Income / Assets ? 0.14%
-8.0% YoY +109.4% QoQ
-0.43% 0.57%
+7.6% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
31%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Noninterest-Bearing 22.7%
+0.4pp YoY
+1.3pp QoQ
 +0.6pp 22.1% 18.7% 22.2% 58%
Brokered Deposits n/a n/a 7.9% 6.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 2.0%
-0.3pp YoY
-0.1pp QoQ
 -9.6pp 11.6% 8.6% 12.5% 6%
CRE 7.4%
+0.6pp YoY
+0.1pp QoQ
 -32.1pp 39.5% 37.9% 41.4% 2%
1-4 Family 84.8%
+0.2pp YoY
-0.1pp QoQ
 +52.2pp 32.6% 47.8% 31.3% 98%
Consumer 6.8%
-0.5pp YoY
+0.1pp QoQ
 +2.7pp 4.1% 3.8% 5.0% 85%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.3% 19.7% n/a
Leverage Ratio 20.0%
-0.6pp YoY
+0.2pp QoQ
 +7.8pp 12.2% 13.2% 12.6% 96%
Total Capital Ratio n/a n/a 19.9% 23.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 98
+4 (+4.3%) YoY
0 QoQ
 +39 58 299 482 86%
Assets per Employee ($) $5.1M
+7.3% YoY
+1.6% QoQ
 -$2.4M $7.5M $9.2M $8.8M 16%
Branch Count 10
0 YoY
0 QoQ
 +5 4 20 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days 0.7%
-0.3pp YoY
+0.1pp QoQ
 +0.4pp 0.3% 0.2% 0.4% 88%
Nonaccrual 0.2%
+0.1pp YoY
+0.1pp QoQ
 -0.7pp 0.9% 0.9% 1.0% 33%
Allowance Coverage 1.09x
+15.0% YoY
-20.9% QoQ
 -23.06x 24.15x 3.63x 20.23x 29%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.1% 0.2% 81%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 15.1%
+10.2pp YoY
+9.7pp QoQ
 +2.9pp 12.2% 10.2% 11.6% 68%
Cost of Funds (YTD) 1.5%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 37%
Net Income ($, YTD) $7.5M
+239.9% YoY
— QoQ
 +$4.9M $2.6M $18.2M $40.4M 96%

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 (1)

Profitability Leader

growth
#2 of 661 • Top 0.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 3.02%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (1)

Liquidity Overhang

risk
#308 of 742 • Bottom 41.4% 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: 19.96%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 77.44%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

51
Return on Assets
profitability
Value: 3.02%
Peer Median: 1.32%
#51 of 2643 Top 1.9% in $100M-$1B
371
Tier 1 Capital Ratio
capital
Value: 19.96%
Peer Median: 15.91%
#371 of 2643 Top 14.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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