Total Assets
$482M
Total balance-sheet footings
FDIC Cert #11113 · Smethport, Pennsylvania · Est. 1863
Hamlin Bank and Trust Company - FDIC Bank Health Profile
A community-scale look at Hamlin Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $482M
- Total assets
- A
- Health grade · Excellent
- 1.52%
- Return on assets
- 20.0%
- Tier 1 capital
Data updated July 2026
The verdict
Hamlin Bank and Trust Company earns a PlainBankData health grade of A (89/100), with well-capitalized at 20.04% Tier 1, profitable at 1.52% ROA, 72% efficiency ratio.
- #1,841
- largest of 4,313 FDIC banks by assets
- 57th
- percentile by asset size, nationally
- 20.04%
- Tier 1 ratio - above the 10% well-capitalized line
- 75th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Hamlin Bank and Trust Company's 89/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Hamlin Bank and Trust Company's composite health score
Tier 1 Capital Ratio (20.04%) 40/40
Return on Assets (ROA) (1.52%) 25/25
Texas Ratio (3.36%) 20/20
Efficiency Ratio (71.66%) 4/15
89 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$373M
Customer-funded liabilities
Net Loans
$300M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Hamlin Bank and Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Hamlin Bank and Trust Company's score of 89/100 falls in the highlighted band.
Hamlin Bank and Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Hamlin Bank and Trust Company's $482M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
20.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
20.04%
Texas Ratio
3.36%
Equity Capital
$97M
Profitability metrics
Return on Assets (ROA)
75th percentile nationally
1.52%
Return on Equity (ROE)
7.47%
Efficiency Ratio
71.66%
What the numbers say about Hamlin Bank and Trust Company
Hamlin Bank and Trust Company is an FDIC-insured institution (Certificate #11113) headquartered in Smethport, Pennsylvania, established in 1863. It holds $482M in total assets - 1,841st of 4,313 FDIC-insured banks, $373M in customer deposits, and $300M in net loans. On safety, its Tier 1 capital ratio of 20.04% is above the 10% well-capitalized threshold, and its Texas Ratio of 3.36% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (89/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Pennsylvania, Hamlin Bank and Trust Company ranks 69th of 112 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$22M
Interest Income
$1M
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Hamlin Bank and Trust Company reports a Texas Ratio of 3.36% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.36% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Pennsylvania by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Hamlin Bank and Trust Company (FDIC Cert #11113) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |
Frequently asked questions
What is Hamlin Bank and Trust Company's health grade?▼
Hamlin Bank and Trust Company receives a health grade of A (89/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Hamlin Bank and Trust Company?▼
Hamlin Bank and Trust Company holds $482M in total assets and $373M in deposits, ranking 1,841st of 4,313 FDIC-insured banks by asset size. It is headquartered in Smethport, Pennsylvania.
Is my money safe at Hamlin Bank and Trust Company?▼
Yes, deposits at Hamlin Bank and Trust Company (Certificate #11113) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Hamlin Bank and Trust Company's Tier 1 Capital Ratio?▼
Hamlin Bank and Trust Company has a Tier 1 Capital Ratio of 20.04%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Hamlin Bank and Trust Company?▼
Hamlin Bank and Trust Company has a Texas Ratio of 3.36%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Hamlin Bank and Trust Company?▼
Hamlin Bank and Trust Company has an Efficiency Ratio of 71.66%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Hamlin Bank and Trust Company's profile as a depositor or analyst.
- Hamlin Bank and Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Hamlin Bank and Trust Company against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.