B
First Northern Bank and Trust Company
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
15.29
Return On
Assets
1.42%
Total
Assets
921.49M
Capital
136.00M
Total
Deposits
761.91M
Net
Income
6.64M
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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 7.20
Capitalization Index 10.00
Liquidity Index 2.90
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 4.86%
5-Year Asset Growth 2.53%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans -0.14%
Non-Performing Assets to Assets 0.85%
Non-Performing Loans to Capital 4.40%
Non-Performing Loans to Loans 1.16%
Balance Sheet First Northern Bank and Trust Company
Palmerton, PA 		Click to
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Total Assets 921.49M
Total Deposits 761.91M
Capital and Reserves First Northern Bank and Trust Company
Palmerton, PA 		Click to
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Capital 136.00M
Leverage Ratio 15.29
Loan Loss Reserves to Loans 1.57%
Risk-Based Capital Ratio --
Liquidity First Northern Bank and Trust Company
Palmerton, PA 		Click to
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Hot Money Ratio 10.54%
Liquidity Ratio 17.77%
Profitability First Northern Bank and Trust Company
Palmerton, PA 		Click to
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5-Year Return on Average Assets 0.99%
Net Income 6.64M
Net Interest Spread 4.15%
Operating Profit to Average Assets 1.71%
Overhead Efficiency Ratio 59.32%
Return on Assets 1.42%
Return on Equity 9.97%