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Overview / Commentary
1907 Highway 211
Hoschton, GA 30548

Hamilton State Bank is a Georgia-based bank that provides individual and business customers with access to deposit and loan products and services. On its depository side it offers savings, checking, money market, and CD accounts to meet its customers’ needs.

The bank has several checking accounts that vary in terms of minimum balance requirements, monthly maintenance fees, and mobile usage costs. One account offers an additional CD interest bonus just for opening. The savings account offering has a minimum daily account balance requirement in order to avoid a monthly fee. Money Market accounts offer tiers of interest rates that get higher as account balances increase, and the bank’s CDs vary in term lengths. Hamilton State Bank also offers its Hamilton Club as a way for customers to obtain identity theft protection, insurance, and cash back rewards. Several bank customers have reviewed the bank on DepositAccounts.com, mainly in regard to its mortgage lending services.

Hamilton State Bank online banking offers customers access to the bank’s Internet platform, from which they can transfer funds, monitor accounts, pay bills, or deposit money. The bank also provides a mobile app for customers to accomplish the same activities via their smartphone. The bank also offers telephone banking services through which customers can request financial statements by fax and review recent transactions.

Hamilton State Bank was established in 2004 and is headquartered in Hoschton, Georgia, a city located just outside of Atlanta. The bank was named after Alexander Hamilton, the Department of the Treasury of the United States’ first Secretary. It serves its customers through a number of branches.

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Hamilton State Bank

When I moved to Jackson, GA this bank was named MacIntosh State bank. My husband and I opened an account with them and enjoyed the personell service they provided us. Some years later, MacIntosh and another small local bank in Jackson, GA closed. We were left in a lurch for about three days not knowing what was going to happen to our account. We could pull the money out, it was insured, but we didn't want to change to a national bank and after the small banks closed, that was our only option in the small town we live in. After a breif time, we were notified that Hamilton State Bank had purchased our account as well as others and would continue business as usual. We were very happy to hear this and they made the process painless. We had always felt a kinship to the people that worked there and Hamilton kept a lot of the same employees that had been there for years. Our checking and savings accounts, while not a lot of money, were treated as if were high rollers and I felt that they took our checking and savings account to be as important to them as they were to us. The savings account did not have a high rate of return, but no ones did at that time. In addition to our checking and savings accounts being changed over with ease, they gave us an additional fifty dollars for staying with them that was deposited into our savings account. This helped make our decision to stay with them through the change all the better.

Construction Loan

Posted by: Anonymous | Jun 15, 2012

There could be many reasons why you haven't converted your mortgage loan. Maybe there is a problem with the program that were initially placed under and it is no longer available. Many qualifications issues. I wouldn't bash the bank, go away and try another bank to pay off the construction loan, and then see if there are any issues. Why wait, go elsewhere.


Posted by: Anonymous | Nov 16, 2010

My husband and I built a house this year and used (after high recommendations from the builder) went with Hamilton State Bank for our construction loan. Our house was finished in May and the bank has been trying to do the final closing on our house ever since then. It is now the middle of November, and they still have NO idea when we are closing. I will call, leave a message, and they call me back days sometimes weeks later, if at all. When I talk to them, they tell me that we are close and they will call back the next week, never to be heard from until I call three weeks later. The builder told me that I would have to pay minimal construction interest because they should have us closing within 30 days. Since then we have paid almost $1200 a month in interest! It has gotten beyond the point of ridiculous!! I don't know if we are the only case of this happening to a customer or not but I do NOT recommend this bank for mortgages!!

Construction Lending At HAMILTON STATE BANK

Posted by: Anonymous | Aug 12, 2011

We were extremely pleased with our construction process with Hamilton State Bank. The process was easy, and the employees were very knowledgeable and responsive. We would highly recommend Hamilton State Bank to anyone interested in financing.



Health Grade Components

FDIC Certificate #57810
Year Established2004
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD8.46%
Annual Interest Income$83.2MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$1.78B$1.84B
LoansQ4 2017vs Q4 2016$1.28B$1.26B
DepositsQ4 2017vs Q4 2016$1.55B$1.54B
Equity CapitalQ4 2017vs Q4 2016$193.3MM$225.5MM
Loan Loss AllowanceQ4 2017vs Q4 2016$11.4MM$12.2MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$7.6MM$12.9MM
Real Estate OwnedQ4 2017vs Q4 2016$786.00K$2.4MM

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