Hamilton Bancorp
Hamilton Bancorp is a publicly traded U.S. bank holding company (NASDAQ: HBK) operating a community bank subsidiary in Pennsylvania and Maryland, offering personal and business deposit accounts, mortgage and commercial lending, treasury management, merchant services, and wealth advisory through Cetera.
- Company typePrivate
- Founded1916
- HeadquartersMiami, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Hamilton Bancorp does
Hamilton Bancorp is a publicly traded U.S. bank holding company (NASDAQ: HBK), founded in 1915 and historically headquartered in Miami. The operating bank subsidiary, Orrstown Bank (founded 1916), operates as a community bank across Pennsylvania and Maryland, providing a full suite of personal and commercial financial services. The bank's core product portfolio spans personal checking and savings accounts, residential mortgages (Orrstown Mortgage), the SmartLock home equity line of credit, small business and agricultural lending, commercial borrowing, treasury management, and merchant services. Wealth management and investment advisory services are delivered through the wholly-owned Orrstown Financial Advisors subsidiary in partnership with Cetera Advisor Networks, supported by the NetXInvestor, Albridge, and OFA Portal platforms. Customers access the bank through a regional branch network and digital channels including online banking, iOS/Android mobile applications, and telephone banking.
The company's revenue model is a traditional community-banking construct. Primary income is generated through net interest margin on the loan portfolio (personal, mortgage, small business, commercial, agricultural), supplemented by deposit service fees on checking, savings, money market, and certificate of deposit accounts. Fee-based income streams include wealth management advisory fees routed through Cetera, transaction-based treasury management and merchant services for business clients, and interchange revenue from Mastercard-branded debit cards. The technology stack is a standard commercial banking platform with conventional digital banking capabilities; no proprietary AI/ML, open API surface, or differentiated technical assets are disclosed. Marketing and distribution are executed through a multi-channel mix combining physical branch presence, social media (Facebook, X, LinkedIn, Instagram, YouTube), email newsletter, and community programs including the Orrstown Bank Foundation scholarship initiative. Customer segmentation is horizontal across six primary use cases (personal banking, business banking, agricultural banking, commercial banking, residential mortgage, retirement/wealth), serving a broad base of consumers and SMBs in the mid-Atlantic region without disclosed enterprise anchor concentrations.
The strategic posture is consistent with a relationship-focused community bank pursuing measured inorganic and organic growth. Notable inorganic moves include the 2015 acquisitions of Fraternity Community Bancorp and Fairmount Bancorp, which expanded the bank's footprint. Leadership renewal occurred in 2024 with Adam Metz appointed CEO of Orrstown Bank, alongside recognition as the #1 top-performing community bank in Pennsylvania and #12 nationally. The company is FDIC-insured, Equal Housing Lender, and operates under standard U.S. bank regulatory oversight; no recent regulatory actions, restructurings, or material leadership changes beyond the 2024 CEO appointment are disclosed in the available data.
Hamilton Bancorp firmographics
Firmographics- Name
- Hamilton Bancorp
- Legal name
- Orrstown Bank
- Website
- https://hamilton-bank.com
- Company type
- Private
- Founded year
- 1916
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Hamilton Bancorp is a publicly traded U.S. bank holding company (NASDAQ: HBK) operating a community bank subsidiary in Pennsylvania and Maryland, offering personal and business deposit accounts, mortgage and commercial lending, treasury management, merchant services, and wealth advisory through Cetera.
- Ownership category
- akta.pro rank
Hamilton Bancorp industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (522180)
- SIC
- State Commercial Banks (6022)
- akta.pro industry
- Mass-Market Consumer Deposit Banking (Checking/Savings)Branch & In-Person Banking (Teller/ATM Networks)Credit Cards & Revolving Credit
Keywords
Where Hamilton Bancorp is headquartered
LocationHeadquarters
- HQ city
- Miami
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Hamilton Bancorp business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: Traditional banking revenue from interest earned on loans and credit products including personal loans, mortgages, small business loans, commercial loans, and agricultural loans
- Deposit Services: Fees and services revenue from checking and savings accounts, money market accounts, and certificates of deposit
- Wealth Management: Securities and investment advisory services offered through Cetera Advisor Networks
- Treasury Management Services: Cash management, merchant services, and other business banking services
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal Checking Accounts |
Distribution channels4 records
Marketing channels4 records
Hamilton Bancorp product offering
Product offeringCore offering
Hamilton Bancorp, through its subsidiary Orrstown Bank, provides community banking services including personal and business checking and savings accounts, residential mortgages, home equity lines of credit (SmartLock), commercial and agricultural lending, small business borrowing, treasury management, merchant services, and wealth management delivered in partnership with Cetera Advisor Networks. Distribution combines physical branches across Pennsylvania and Maryland with online, mobile, and telephone banking channels.
Product overview
Orrstown Bank offers a unified banking platform combining traditional personal and business banking services with residential lending, wealth management, and digital banking channels. The core product portfolio includes personal and business checking/savings accounts, small business and commercial lending, agricultural banking, and home mortgage products (Orrstown Mortgage). Supplementary services include SmartLock home equity lines of credit, treasury management for businesses, merchant services, and retirement/wealth management through partnership with Cetera Advisor Networks. Digital access is provided through online banking, mobile banking apps, and telephone banking channels.
Differentiator
Problem solved
Functional benefit
Brands
- Orrstown Financial Advisors: Wealth management and investment advisory services operated in partnership with Cetera
- SmartLock
- OFA Portal
Products and services
- Personal & Business Banking Core banking services including personal checking and savings accounts, business banking, small business borrowing, agriculture banking, and commercial lending and borrowing services for consumers and businesses in PA & MD.
- Orrstown Mortgage - Home Lending Residential mortgage services encompassing home purchase loans, refinancing options, first-time home buyer programs, and mortgage rate offerings for individuals purchasing or refinancing homes.
- SmartLock Home Equity Line of Credit Home equity line of credit product allowing homeowners to access their home equity for various financial needs.
- Treasury Management Cash flow management, payment processing, and liquidity management services for business clients.
- Merchant Services Payment processing and point-of-sale solutions for business merchants.
- Retirement & Wealth Management Wealth management and retirement planning services provided through strategic partnership with Cetera Advisor Networks, including access to NetXInvestor, Albridge, and OFA Portal platforms.
- Online & Mobile Banking Digital banking platforms enabling customers to access accounts, conduct transactions, and manage finances through web and mobile applications.
- Telephone Banking Phone-based banking service for customers to access accounts and conduct transactions via telephone.
Companies that use Hamilton Bancorp
Customer profileSegments6 records
Ideal customer profiles5 records
Hamilton Bancorp technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Hamilton Bancorp partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Cetera Advisor NetworkscoreOrrstown Financial Advisors partnership with Cetera provides securities and investment advisory services to bank customers. Cetera is a separate company from Orrstown Bank providing wealth management products through registered representatives.
- Greenpath Financial WellnessminorGreenpath Financial Wellness partnership provides financial counseling and wellness resources to Orrstown Bank customers through the Greenpath platform.
- MastercardcoreOrrstown Bank issues Mastercard debit cards for customers with sweepstakes promotions for cardholders on eligible in-store purchases.
Scale indicators2 records
Recent moves5 records
Expansion highlights5 records
Hamilton Bancorp competitors and assessment
Company assessmentDirect peers
- First Commonwealth Financial Corporation: First Commonwealth is a Pennsylvania-based community bank holding company with similar personal, business, mortgage, and wealth products in overlapping PA markets.
- Fulton Financial Corporation: Fulton Financial is a regional bank holding company operating across Pennsylvania, Maryland, New Jersey, Delaware, and Virginia with comparable consumer, commercial, mortgage, and wealth management offerings.
- Univest Financial Corporation: Univest Financial Corporation is a Pennsylvania-based community bank holding company with overlapping markets in PA and comparable consumer, small business, and mortgage lending products.
- ACNB Corporation: ACNB Corporation operates a community bank franchise in Pennsylvania and Maryland with similar deposit, lending, and wealth management services to a comparable small/medium business and consumer base.
- F.N.B. Corporation: F.N.B. Corporation is a regional financial holding company with deep community banking operations in Pennsylvania and surrounding states, offering a similar mix of consumer, commercial, and wealth products to overlapping customer bases.
- Citizens Financial Services: Citizens Financial Services is a Pennsylvania community bank holding company serving rural and small-town PA markets with similar personal and business banking products and a comparable community banking model.
- S&T Bancorp: S&T Bancorp is a Pennsylvania-based community bank holding company offering personal, business, and wealth management services in overlapping PA markets, including commercial and industrial lending.
- C&F Financial Corporation: C&F Financial Corporation is a Virginia-based community bank holding company with similar community banking focus and consumer/commercial lending products in the Mid-Atlantic region.
Broad incumbents
- Tompkins Financial Corporation: Tompkins Financial is a larger regional bank holding company operating in New York, Pennsylvania, and surrounding states, with a broader geographic footprint and wider product range that overlaps with community banking.
Regional players
- Bryn Mawr Bank Corporation (BMT): Bryn Mawr Bank Corporation operates primarily in the suburban Philadelphia region of Pennsylvania, with a comparable wealth management emphasis through subsidiary BMT Wealth Advisors, but with a more focused geographic territory.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Hamilton Bancorp social profiles
Digital presenceHamilton Bancorp financial estimates
Financial estimateRevenue estimate
Valuation estimate
Hamilton Bancorp leadership team
Management profileNumber of profiles
Profiles2 records
Hamilton Bancorp subsidiaries and ownership
Company hierarchySubsidiaries2 records
Hamilton Bancorp funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Hamilton Bancorp M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Hamilton Bancorp
What does Hamilton Bancorp do?
Hamilton Bancorp, through its subsidiary Orrstown Bank, provides community banking services including personal and business checking and savings accounts, residential mortgages, home equity lines of credit (SmartLock), commercial and agricultural lending, small business borrowing, treasury management, merchant services, and wealth management delivered in partnership with Cetera Advisor Networks. Distribution combines physical branches across Pennsylvania and Maryland with online, mobile, and telephone banking channels.
Is Hamilton Bancorp a public or private company?
Hamilton Bancorp is a private company. It is classified as public and is currently operating.
When was Hamilton Bancorp founded?
Hamilton Bancorp was founded in 1916. It employs 101 to 250 people.
Where is Hamilton Bancorp based?
Hamilton Bancorp is headquartered in Miami, United States, in the North America region.
How does Hamilton Bancorp make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are deposit Services, wealth Management and treasury Management Services.
Who are Hamilton Bancorp's main competitors?
Direct peers on record are First Commonwealth Financial Corporation, Fulton Financial Corporation, Univest Financial Corporation, ACNB Corporation, F.N.B. Corporation, Citizens Financial Services, S&T Bancorp and C&F Financial Corporation. Tompkins Financial Corporation is listed as a broad incumbent. Bryn Mawr Bank Corporation (BMT) is listed as a regional player.
Does Hamilton Bancorp have an API?
No public API is recorded for Hamilton Bancorp.
What industry is Hamilton Bancorp in?
Hamilton Bancorp's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAE, Branch & In-Person Banking (Teller/ATM Networks). Its NAICS code is 52211 and its SIC code is 6022.