Hamlin Bank&Trust Co (FDIC #11113): Bank Stress & Real-Estate Credit Exposure
Hamlin Bank&Trust Co (FDIC Cert #11113): bank stress 3/100, contained, STABLE over 7 days.
Hamlin Bank&Trust Co (#11113) lends in 4 counties across 2 states; Hamlin Bank&Trust Co (#11113) reaches 91 ZIP codes: Pennsylvania 3 counties, 54 ZIPs; New York 1 county, 37 ZIPs.
Hamlin Bank&Trust Co (#11113) largest markets: Cattaraugus County, NY (37 branches, 37 ZIPs) (#11113), Mckean County, PA (154 branches, 22 ZIPs) (#11113), Warren County, PA (20 branches, 20 ZIPs) (#11113), Elk County, PA (15 branches, 15 ZIPs) (#11113).
Hamlin Bank&Trust Co (#11113) reports $503.4 million in total assets; Hamlin Bank&Trust Co (#11113) equity $101.6 million (20.2% of Hamlin Bank&Trust Co (#11113) assets); Hamlin Bank&Trust Co (#11113) domestic deposits $389.3 million; Hamlin Bank&Trust Co (#11113) net income $7.5 million; Hamlin Bank&Trust Co (#11113) return on assets 3.02%; Hamlin Bank&Trust Co (#11113) return on equity 15.09%; Hamlin Bank&Trust Co (#11113) net interest income $8.4 million; Hamlin Bank&Trust Co (#11113) call report June 30, 2026.
Hamlin Bank&Trust Co (#11113) noncurrent real-estate loans 0.03% of its book; Hamlin Bank&Trust Co (#11113) net charge-offs on real estate 0.98%; Hamlin Bank&Trust Co (#11113) residential charge-offs 3.73%.
Hamlin Bank&Trust Co (#11113) net interest margin 3.57% against an eight-quarter Hamlin Bank&Trust Co (#11113) average of 3.47% (Hamlin Bank&Trust Co (#11113) compression -0.10 points); Hamlin Bank&Trust Co (#11113) real-estate loans 2.5% of equity; Hamlin Bank&Trust Co (#11113) non-residential real estate 372.6% of equity; Hamlin Bank&Trust Co (#11113) rate-exposure score 40/100, Hamlin Bank&Trust Co (#11113) fixed-rate trap 40/100; Hamlin Bank&Trust Co (#11113) risk type rate trapped; Hamlin Bank&Trust Co (#11113) rate regime rates elevated, Hamlin Bank&Trust Co (#11113) snapshot October 19, 2026.
Hamlin Bank&Trust Co (#11113) stress score moved from 32.8 on June 22, 2026 to 3.4 on October 19, 2026; Hamlin Bank&Trust Co (#11113) ranged 3.4 to 32.8 over 116 snapshots.
Hamlin Bank&Trust Co (#11113) alerts: 4 counties; top Hamlin Bank&Trust Co (#11113) alert scores: Olean County, PA 10 (low); Saint Marys County, PA 10 (low); Sheffield County, PA 10 (low); Smethport County, PA 10 (low).