Hamlin Bank and Trust Company: how it compares with its peers
Against 41 PA banks with half to twice its assets, Hamlin Bank and Trust Company's strongest measure in Q2 2026 is return on assets (3.02% vs. a 0.84% peer median). Its weakest relative measure is assets per employee ($5.1M vs. $7.4M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 3.02% | 0.84% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.57% | 3.35% | Middle third Ahead of 66% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.10% | 66.19% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.1M | $7.4M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.44% | 82.16% | Context |
What it means for lending operations
Its efficiency ratio of 64.10% is better than the 66.19% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Ambler Savings Bank Ambler, PA · $502M
- Enterprise Bank Allison Park, PA · $525M
- Community State Bank of Orbisonia Orbisonia, PA · $473M
- The Neffs National Bank Neffs, PA · $471M
- Elderton State Bank Elderton, PA · $465M
- United Savings Bank Philadelphia, PA · $461M
Questions about Hamlin Bank and Trust Company
How big is Hamlin Bank and Trust Company?
Hamlin Bank and Trust Company, established in 1863, is headquartered in Smethport, PA. It reported $503M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Hamlin Bank and Trust Company's return on assets?
3.02% annualized in Q2 2026, against a 0.84% median for 41 PA banks with half to twice its assets, ahead of 100% of them.
What is Hamlin Bank and Trust Company's efficiency ratio?
64.10% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 66.19%, and lower is better.
Is Hamlin Bank and Trust Company growing its loans?
Net loans grew 4.2% over the year to Q2 2026, while deposits grew 11.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.