First Northern Bank and Trust Company
Palmerton, PA
IDRSSD: 186717
Total Assets
$936.39M
Latest filing
Total Deposits
$781.55M
Latest filing
Net Interest Margin
4.08%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Northern Bank and Trust Company
4th Street And Lafayette Avenue
Palmerton, PA 18071
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/24/1907FDIC Certificate 4969
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First Northern Bank and Trust Company (Main) | 4th Street And Lafayette Avenue | Palmerton, PA |
| GILBERT BRANCH | 1256 Route 209 | Gilbert, PA |
| SCIOTA BRANCH | 5654 Hamilton S | Sciota, PA |
| TANNERSVILLE BRANCH | 3005 Pennsylvania 611 | Tannersville, PA |
| BLAKESLEE BRANCH | 342 Route 940 | Blakeslee, PA |
| MT. BETHEL BRANCH | 2334 N Delaware Dr | Mount Bethel, PA |
| EGYPT BRANCH | 2228 Old Post Rd | Coplay, PA |
| BATH BRANCH | 383 S Walnut St | Bath, PA |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 10/24/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 18071 |
| State and County Number | 42025 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 03 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Allentown-Bethlehem-Easton, PA-NJ |
Operational Info
| Number of Employees | 140 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/01/2012 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | https://www.1stnorthern.bank |
| Data Updated | 01/30/2026 |
| CERT | 7675 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $936.39M |
| Total Deposits | $781.55M |
| Total Liabilities | $804.23M |
| Total Equity Capital | $132.16M |
| Net Income | $1.71M |
| Net Loans and Leases | $564.43M |
| Assets Per Employee ($Millions) | $6.94M |
| Bank Premises and Fixed Assets | $20.97M |
| Cash and Balances due from Depository Institutions | $63.74M |
| Deposits Held in Domestic Offices | $781.55M |
Key Performance Ratios
| Return on Assets (ROA) | 0.72% |
| Return on Equity (ROE) | 5.21% |
| Net Interest Margin | 4.08% |
| Efficiency Ratio | 77.69% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.114% |
| Earning Assets to total Assets | 92.52% |
Income and Expense
| Total Interest Income | $11.70M |
| Total Noninterest Income | $669.00k |
| Total Interest Expense | $2.73M |
| Total Noninterest Expense | $7.49M |
| Net Interest Income | $8.97M |
| Pre-tax Net Operating Income | $2.01M |
| Provision for Credit Losses | $136.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.42M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $20.08M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $22.67M |
| Total Liabilities and Capital | $936.39M |
Securities
| Securities | $230.61M |
| Available-for-sale debt securities | $230.61M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Northern Bank and Trust Company?
$936.39M as of the latest filing.
How much are First Northern Bank and Trust Company's total deposits?
$781.55M in total deposits.
Where is First Northern Bank and Trust Company located?
Palmerton, PA.
What is the Net Interest Margin?
4.08%.
How many domestic offices does it operate?
11.
When was it established?
10/24/1907.
What is the Return on Assets (ROA)?
0.72%.
How much are total loans and leases?
$564.43M (latest filing).
What is the total interest income (latest filing)?
$11.70M.