B
First Northern Bank and Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
14.92
Return On
Assets
1.38%
Total
Assets
964.59M
Capital
129.88M
Total
Deposits
809.86M
Net
Income
9.46M
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Weiss Ratings First Northern Bank and Trust Company
Palmerton, PA 		Click to
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Rating B
Asset Quality Index 9.00
Capitalization Index 10.00
Liquidity Index 3.10
Profitability Index 6.40
Stability Index 6.30
Company Info First Northern Bank and Trust Company
Palmerton, PA 		Click to
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FDIC Number 7675
Phone Number (610) 826-2239
Website www.1stnorthern.bank
Asset Quality First Northern Bank and Trust Company
Palmerton, PA 		Click to
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1-Year Asset Growth -0.63%
5-Year Asset Growth 5.59%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.52%
Non-Performing Loans to Capital 2.34%
Non-Performing Loans to Loans 0.60%
Balance Sheet First Northern Bank and Trust Company
Palmerton, PA 		Click to
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Total Assets 964.59M
Total Deposits 809.86M
Capital and Reserves First Northern Bank and Trust Company
Palmerton, PA 		Click to
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Capital 129.88M
Leverage Ratio 14.92
Loan Loss Reserves to Loans 1.51%
Risk-Based Capital Ratio --
Liquidity First Northern Bank and Trust Company
Palmerton, PA 		Click to
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Hot Money Ratio 8.28%
Liquidity Ratio 14.01%
Profitability First Northern Bank and Trust Company
Palmerton, PA 		Click to
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5-Year Return on Average Assets 0.91%
Net Income 9.46M
Net Interest Spread 4.12%
Operating Profit to Average Assets 1.64%
Overhead Efficiency Ratio 60.44%
Return on Assets 1.38%
Return on Equity 10.22%