Total Assets
$503.4M
Total Deposits
$389.3M
Branches
11
Established
1863
Hamlin Bank and Trust Company is a bank headquartered in Smethport, Pennsylvania, established in 1863. It holds $503.4M in total assets across 11 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Hamlin Bank and Trust Company earns a TFS Financial Health Grade of A (92.3/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
92.3 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Hamlin Bank and Trust CompanyHQ | 333 W Main St | Smethport | PA | 11 |
| Hamlin Bank and Trust Company | 2102 W State St | Olean | NY | 11 |
| Hamlin Bank and Trust Company | 671 E Main St | Bradford | PA | 11 |
| Hamlin Bank and Trust Company | 151 Main St | Eldred | PA | 11 |
| Hamlin Bank and Trust Company | 34 N Fraley St | Kane | PA | 11 |
| Hamlin Bank and Trust Company | 2 Birch St | Kane | PA | 23 |
| Hamlin Bank and Trust Company | 35 E Main St | Mount Jewett | PA | 11 |
| Hamlin Bank and Trust Company | 427 And 433 Brusselles Street | Saint Marys | PA | 11 |
| Hamlin Bank and Trust Company | 101 S Main St | Sheffield | PA | 11 |
| Hamlin Bank and Trust Company | 101 S Main St | Sheffield | PA | 11 |
| Hamlin Bank and Trust Company | 325 E Water St | Smethport | PA | 23 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
92.3
Tier 1 capital ratio
19.96%
Return on assets
3.02%
Non-performing loans
0.96%
Efficiency ratio
64.10%
Asset growth (YoY)
11.90%
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.