The Northumberland National Bank
Northumberland, PA
IDRSSD: 70414
Total Assets
$684.48M
Latest filing
Total Deposits
$603.67M
Latest filing
Net Interest Margin
2.81%
Profitability
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 11/02/1903 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 17857 |
| State and County Number | 42097 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 03 |
| Numeric code | 3 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Sunbury, PA |
Operational Info
| Number of Employees | 93 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/01/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 7666 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $684.48M |
| Total Deposits | $603.67M |
| Total Liabilities | $626.10M |
| Total Equity Capital | $58.38M |
| Net Income | $1.26M |
| Net Loans and Leases | $442.42M |
| Assets Per Employee ($Millions) | $7.36M |
| Bank Premises and Fixed Assets | $7.51M |
| Cash and Balances due from Depository Institutions | $42.15M |
| Deposits Held in Domestic Offices | $603.67M |
Key Performance Ratios
| Return on Assets (ROA) | 0.74% |
| Return on Equity (ROE) | 8.81% |
| Net Interest Margin | 2.81% |
| Efficiency Ratio | 72.91% |
| Tier 1 Risk-Based Capital Ratio | 15.922% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.529% |
| Earning Assets to total Assets | 93.94% |
Income and Expense
| Total Interest Income | $7.52M |
| Total Noninterest Income | $1.06M |
| Total Interest Expense | $3.01M |
| Total Noninterest Expense | $4.06M |
| Net Interest Income | $4.51M |
| Pre-tax Net Operating Income | $1.51M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $20.14M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.29M |
| Total Liabilities and Capital | $684.48M |
Securities
| Securities | $165.86M |
| Available-for-sale debt securities | $163.28M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $2.57M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Northumberland National Bank?
$684.48M as of the latest filing.
How much are The Northumberland National Bank's total deposits?
$603.67M in total deposits.
Where is The Northumberland National Bank located?
Northumberland, PA.
What is the Net Interest Margin?
2.81%.
How many domestic offices does it operate?
7.
When was it established?
11/02/1903.
What is the Return on Assets (ROA)?
0.74%.
How much are total loans and leases?
$442.42M (latest filing).
What is the total interest income (latest filing)?
$7.52M.