Hamlin Bank and Trust Company
Smethport, PA
IDRSSD: 291611
Total Assets
$481.51M
Latest filing
Total Deposits
$373.33M
Latest filing
Net Interest Margin
3.52%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
031309505SMETHPORT, PA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Hamlin Bank and Trust Company
333 W Main St
Smethport, PA 16749
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/31/1863FDIC Certificate 7097
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Hamlin Bank and Trust Company (Main) | 333 W Main St | Smethport, PA |
| KANE BRANCH | 34 N Fraley St | Kane, PA |
| KANE DRIVE-IN BRANCH | 2 Birch St | Kane, PA |
| MOUNT JEWETT BRANCH | 35 E Main St | Mount Jewett, PA |
| EAST WATER STREET BRANCH | 325 E Water St | Smethport, PA |
| BRADFORD BRANCH | 671 E Main St | Bradford, PA |
| ELDRED BRANCH | 151 Main St | Eldred, PA |
| OLEAN BRANCH | 2102 W State St | Olean, NY |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/31/1863 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 16749 |
| State and County Number | 42083 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 03 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Bradford, PA |
Operational Info
| Number of Employees | 94 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.hamlinbank.com |
| Data Updated | 01/30/2026 |
| CERT | 11113 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $481.51M |
| Total Deposits | $373.33M |
| Total Liabilities | $384.33M |
| Total Equity Capital | $97.18M |
| Net Income | $1.85M |
| Net Loans and Leases | $300.33M |
| Assets Per Employee ($Millions) | $4.91M |
| Bank Premises and Fixed Assets | $7.19M |
| Cash and Balances due from Depository Institutions | $23.51M |
| Deposits Held in Domestic Offices | $373.33M |
Key Performance Ratios
| Return on Assets (ROA) | 1.58% |
| Return on Equity (ROE) | 7.75% |
| Net Interest Margin | 3.52% |
| Efficiency Ratio | 79.86% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 20.181% |
| Earning Assets to total Assets | 94.57% |
Income and Expense
| Total Interest Income | $5.66M |
| Total Noninterest Income | $351.00k |
| Total Interest Expense | $1.74M |
| Total Noninterest Expense | $3.42M |
| Net Interest Income | $3.93M |
| Pre-tax Net Operating Income | $862.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $226.00k |
| Other borrowed funds | $89.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $10.92M |
| Total Liabilities and Capital | $481.51M |
Securities
| Securities | $139.11M |
| Available-for-sale debt securities | $100.89M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Hamlin Bank and Trust Company?
$481.51M as of the latest filing.
How much are Hamlin Bank and Trust Company's total deposits?
$373.33M in total deposits.
Where is Hamlin Bank and Trust Company located?
Smethport, PA.
What is the Net Interest Margin?
3.52%.
How many domestic offices does it operate?
10.
When was it established?
12/31/1863.
What is the Return on Assets (ROA)?
1.58%.
How much are total loans and leases?
$300.33M (latest filing).
What is the total interest income (latest filing)?
$5.66M.