Side-by-side · Q2 2026 data
Hamlin Bank and Trust Company vs Cattaraugus County Bank
Metric by metric
| Measure | Hamlin Bank and Trust Company | Cattaraugus County Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 61 |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 68 (stronger) | 42 |
| Earnings | 100 (stronger) | 48 |
| Funding & liquidity | 83 | 95 (stronger) |
| Problem-loan coverage | 94 (stronger) | 82 |
| Peer percentile | 94th | 20th |
| Total assets | $503.4M | $384.7M |
| Deposits / shares | $389.3M | $338.2M |
| Capital ratio | 19.96% (stronger) | 11.26% |
| Problem loans | 0.96% (stronger) | 1.73% |
| Net charge-offs | 0.14% (stronger) | 0.71% |
| Return on assets | 3.02% (stronger) | 0.71% |
| Loans ÷ deposits | 77.4% | 63.6% (stronger) |
| Uninsured deposits | 13.3% (stronger) | 16.4% |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | 93 |
| Complaints per $1B deposits | — | 275.0 |
| Mortgage denial rate (HMDA) | — | 10.0% |
Hamlin Bank and Trust Company has the higher TellerScore (89 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Hamlin Bank and Trust Company leads on 6 and Cattaraugus County Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.