Hamlin Bank And Trust Company vs Sca
Comparing a Bank in Smethport, PA with a Credit Union in New Castle, PA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Hamlin Bank And Trust Company ↗ Bank · Smethport, PA · Est. 1863 | Sca ↗ Credit Union · New Castle, PA · Est. 1935 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Smethport, PA | New Castle, PA |
| Total assets | $495.7M | $17.2M |
| Capital ratio | 19.7% | 19.6% |
| Return on assets | 1.1% | 1.3% |
| Deposits | $389.0M | — |
| Branches | 10 | 1,647 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 110 | #2 of 271 |
| Established | 1863 | 1935 |
Hamlin Bank And Trust Company
- Assets: $495.7M
- Deposits: $389.0M
- Capital ratio: 19.7%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #2 of 110
Sca
- Assets: $17.2M
- Members: 1,647
- Capital ratio: 19.6%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #2 of 271
Are both institutions federally insured?
Yes. Hamlin Bank And Trust Company is FDIC-insured and Sca is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Hamlin Bank And Trust Company or Sca?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Hamlin Bank And Trust Company scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Hamlin Bank And Trust Company safe?
Yes — Hamlin Bank And Trust Company is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Sca safe?
Yes — Sca is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Hamlin Bank And Trust Company vs Sca?
Hamlin Bank And Trust Company has a capital ratio of 19.7%, placing it in the top 3% of $100M–1B peers. Sca's ratio is 19.6%, placing it in the top 23% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Hamlin Bank And Trust Company have compared to Sca?
The CFPB database shows 0 complaints against Hamlin Bank And Trust Company, and 0 complaints against Sca. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Hamlin Bank And Trust Company with other Banks in Pennsylvania
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
