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333 West Main Street
Smethport, PA 16749

Hamlin Bank and Trust Company is headquartered in Smethport and is the 77th largest bank in the state of Pennsylvania. It is also the 1,491st largest bank in the nation. It was established in 1863 and as of March of 2014, it had grown to 80 employees at 7 locations. Hamlin Bank and Trust Company has a A health rating.

Reviews (1)

Hamlin Not Just A Bank But Family

in all banks its always a dollar value but at hamlin its like seeing a friend always kind verry helpful they remember you not because of your account but because they are human just like us they will do anything in their power to help even if some times the numbers dont match up ive been dealing with them for 9 years and yes ive been late on a couple of payments and yea i have been over drawn in my account and my credit score is by all means not perfect at all and they are still more than willing to work with me when all others see the reports and numbers and turn you down hamlin is always there to help thank you


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Hamlin Bank and Trust Company had $5.13 million in non-current loans and owned real-estate with $77.92 million in equity and loan loss allowances on hand to cover it. This gives Hamlin Bank and Trust Company a Texas Ratio of 6.58% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Hamlin Bank and Trust Company experienced no significant changes from 4.86% as of March 31, 2013 to 6.58% as of March 31, 2014, resulting in a negative change of 35.51%. This indicates that the balance sheet and financial strength for Hamlin Bank and Trust Company has had no significant changes in recent periods.

Deposit Growth


In the past year, Hamlin Bank and Trust Company has increased its total deposits by $1.97 million, resulting in 0.54% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Hamlin Bank and Trust Company has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Hamlin Bank and Trust Company has $450.82 million in assets with $77.92 million in equity, resulting in a capitalization level of 17.28%, which is excellent.

Institution Statistics

FDIC Certificate #11113
Year Established1863
Primary RegulatorFDIC
Assets and Liabilities
Assets$450.82 million
Loans$187.76 million
Deposits$366.42 million
Equity Capital$75.26 million
Loan Loss Allowance$2.66 million
Unbacked Noncurrent Loans$4.39 million
Real Estate Owned$735,000
Historic Data - March 2013
Assets$448.53 million
Equity Capital$72.26 million
Loan Loss Allowance$2.43 million
Unbacked Noncurrent Loans$4.39 million
Real Estate Owned$667,000
Profit Margin - Quarterly
Net Interest Margin3.64%
Return on Assets1.51%
Return on Equity9.02%
Interest Income$4.42 million

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Hamlin Bank and Trust Company Locations
Eldred Branch151 Main StreetEldred, PA 16731
Kane Drive-In Branch2 Birch StreetKane, PA 16735
East Water Street Branch325 East Water StreetSmethport, PA 16749
Hamlin Bank and Trust Company333 West Main StreetSmethport, PA 16749
Kane Branch34 Fraley StreetKane, PA 16735
Mount Jewett Branch35 East Main StreetMount Jewett, PA 16740
Bradford Branch671 East Main StreetBradford, PA 16701