B
First Northern Bank and Trust Company
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
14.35
Return On
Assets
1.21%
Total
Assets
936.39M
Capital
132.16M
Total
Deposits
781.55M
Net
Income
11.17M
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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 8.00
Capitalization Index 10.00
Liquidity Index 3.00
Profitability Index 5.60
Stability Index 8.90
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 1.57%
5-Year Asset Growth 2.53%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.89%
Non-Performing Loans to Capital 4.73%
Non-Performing Loans to Loans 1.21%
Balance Sheet First Northern Bank and Trust Company
Palmerton, PA 		Click to
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Total Assets 936.39M
Total Deposits 781.55M
Capital and Reserves First Northern Bank and Trust Company
Palmerton, PA 		Click to
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Capital 132.16M
Leverage Ratio 14.35
Loan Loss Reserves to Loans 1.52%
Risk-Based Capital Ratio --
Liquidity First Northern Bank and Trust Company
Palmerton, PA 		Click to
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Hot Money Ratio 9.03%
Liquidity Ratio 17.56%
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 11.17M
Net Interest Spread 4.11%
Operating Profit to Average Assets 1.43%
Overhead Efficiency Ratio 64.86%
Return on Assets 1.21%
Return on Equity 8.91%