PA lenders / Community Bank
Hamlin Bank and Trust Company
Community Bank · Smethport, PA
- Total assets
- $495.7M
- CRE loan book
- $22.0M
- QoQ CRE growth
- 4.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.64% as of Q1 2026 — TX bank median 4.87% (0.78pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.64% | 6.00% |
| Q4 2025 | 5.51% | 5.90% |
| Q3 2025 | 5.41% | 5.78% |
| Q2 2025 | 5.30% | 5.68% |
| Q1 2025 | 5.22% | 5.59% |
| Q4 2024 | 5.13% | 5.51% |
| Q3 2024 | 5.03% | 5.44% |
| Q2 2024 | 4.90% | 5.30% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $22.0M | $1.8M | $3.0M | 9% | $551,000 |
| Q4 2025 | $21.1M | $2.1M | $2.4M | 8% | $566,000 |
| Q3 2025 | $20.8M | $2.2M | $2.2M | 9% | $364,000 |
| Q2 2025 | $19.9M | $2.1M | $1.8M | 8% | $376,000 |
| Q1 2025 | $20.1M | $2.5M | $1.8M | 9% | $372,000 |
| Q4 2024 | $19.1M | $2.3M | $1.8M | 8% | $376,000 |
| Q3 2024 | $17.9M | $2.4M | $1.4M | 7% | $428,000 |
| Q2 2024 | $16.2M | $1.4M | $1.3M | 5% | $390,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Seiling State BankCommunity Bank · Seiling · $22.1M CRE book
- Federated BankCommunity Bank · Onarga · $22.2M CRE book
- Bellevue State BankCommunity Bank · Bellevue · $22.2M CRE book
- Sandhills State BankCommunity Bank · North Platte · $21.8M CRE book
- State Bank of MissouriCommunity Bank · Concordia · $21.7M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.