HAMLIN BANK&TRUST CO
SMETHPORT, PENNSYLVANIA · FDIC Cert #11113
Capital & Safety Analysis
According to FDIC financial data, HAMLIN BANK&TRUST CO holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject HAMLIN BANK&TRUST CO to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
HAMLIN BANK&TRUST CO shows average financial health. While not alarming, its Health Score of 52/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
HAMLIN BANK&TRUST CO has a Bank Health Score of C (52/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
HAMLIN BANK&TRUST CO holds $420M in total assets and $322M in total deposits. It is located in SMETHPORT, PENNSYLVANIA (FDIC Certificate #11113).
HAMLIN BANK&TRUST CO has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 1.02%, and the return on assets is 0.27%.
Yes. HAMLIN BANK&TRUST CO is FDIC-insured (Certificate #11113). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.