S&T Bank vs Hamlin Bank And Trust Company
Comparing a Bank in Indiana, PA with a Bank in Smethport, PA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| S&T Bank ↗ Bank · Indiana, PA · Est. 1902 | Hamlin Bank And Trust Company ↗ Bank · Smethport, PA · Est. 1863 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Indiana, PA | Smethport, PA |
| Total assets | $9.9B | $495.7M |
| Capital ratio | 14.1% | 19.7% |
| Return on assets | 1.5% | 1.1% |
| Deposits | $8.2B | $389.0M |
| Branches | 76 | 10 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 110 | #2 of 110 |
| Established | 1902 | 1863 |
S&T Bank
- Assets: $9.9B
- Deposits: $8.2B
- Capital ratio: 14.1%
- Return on assets: 1.5%
- CFPB complaints: 0
- State rank: #3 of 110
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
Are both institutions federally insured?
Yes. S&T Bank is FDIC-insured and Hamlin Bank And Trust Company is FDIC-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, S&T Bank or Hamlin Bank And Trust Company?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — S&T Bank 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 S&T Bank safe?
Yes — S&T Bank 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 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. Its Trust Grade is A (98/100).
What is the capital ratio of S&T Bank vs Hamlin Bank And Trust Company?
S&T Bank has a capital ratio of 14.1%, placing it in the top 9% of $1B–10B peers. Hamlin Bank And Trust Company's ratio is 19.7%, placing it in the top 3% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does S&T Bank have compared to Hamlin Bank And Trust Company?
The CFPB database shows 0 complaints against S&T Bank, and 0 complaints against Hamlin Bank And Trust Company. 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 S&T Bank with other Banks in Pennsylvania
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
