🏦Bank Scorer

HAMLIN BANK AND TRUST COMPANY

SMETHPORT, PA · Supervised by FDIC

Est. 1863FDIC #11,113RSSD: FDIC-11113
Satisfactory Same

Current rating · Exam: January 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.08%

Institution Profile

FDIC BankFind

Address

333 W Main St, SMETHPORT, PA

County

Mckean County

Established

December 31, 1863

Total Assets

$496M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$496M

Total Deposits

$389M

Net Loans

$299M

Net Income

$1M

ROA

1.08%

ROE

5.41%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$351M

1-Year Change

+1

5-year net change: +2 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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