First Northern Bank and Trust Company
Also written as FNB&T
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Data as of · sourced from FFIEC call reports. How we update
First Northern Bank and Trust Company is an FDIC-insured commercial bank headquartered in Palmerton, PA, established in 1907 (FDIC certificate 7675), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $921.5M, up 4.9% from Q2 2025, the 48th largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.29% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 7675
- Headquarters
- Palmerton, PA
- Established
- 1907
- Total assets, Q2 2026
- $921.5M
- Assets vs Q2 2025
- +4.9%
- Tier 1 leverage ratio, Q2 2026
- 15.29%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 031312929
- Latest call report
- Q2 2026, FFIEC 051 · First Northern Bank and Trust Company call report
- Holding company
- PALM BANCORP
- Asset rank in state
- 48th of 109 in Pennsylvania
Problem loans are rising at First Northern Bank and Trust Company. It reported $921 million in assets at June 30, 2026, up 4.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.16% of loans from 0.68% a year earlier. It funds 15.29% of its assets with Tier 1 capital, higher than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 10.99%). It also pays an average of 1.24% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Delinquency has appeared in its $148 million non-owner-occupied commercial real estate book: 2.38% of those loans are past due or on nonaccrual, against almost none a year earlier. Its $60 million multifamily book is now fully current, after 0.53% of it was past due or on nonaccrual a year earlier.
As of June 30, 2026, First Northern Bank and Trust Company reported a return on assets of 1.41%, a nonperforming-loan ratio of 1.16% and a Texas ratio of 5.42%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, First Northern Bank and Trust Company is the 48th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.0% to $921.5M, loans fell 2.0% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 37.3% of total loans, followed by non-owner-occupied commercial real estate loans at 25.9%. Its 11 offices in the FDIC Summary of Deposits are in 11 cities in PA; its Palmerton office books 25% of its branch deposits. On its Q2 2026 call report, First Northern Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 4th Street And Lafayette Avenue, Palmerton, PA 18071
- County
- Carbon
- Metro Area
- Allentown-Bethlehem-Easton, PA-NJ
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 24, 1907
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 143
- Domestic deposits
- $761.9M
- Allowance for credit losses
- $9.0M
- Net charge-offs (YTD)
- -$400K
- Average total assets
- $932.6M
- Average total loans
- $577.7M
- Average interest-bearing deposits
- $513.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7675
- Fed RSSD
- 186717
- Website
- www.1stnorthern.bank →
- Parent Holding Company
- PALM BANCORP (RSSD 1117213)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Northern Bank and Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Northern Bank and Trust Company's total assets moved between a low of $878.8M (Q2 2025) and a high of $988.2M (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$921.5M total assets against $878.8M; $785.5M total liabilities against $754.5M.
$564.0M net loans and leases against $544.9M; $761.9M total deposits against $729.6M.
$225.2M securities against $240.0M; $45.2M cash and balances due against $32.4M.
$11.4M total interest income against $10.9M; $2.4M total interest expense against $2.3M.
$9.0M net interest income against $8.6M.
$661K total noninterest income against $863K; $5.7M total noninterest expense against $5.6M.
$5K provision for credit losses against $65K.
$3.3M net income against $3.2M.
1.41% return on assets against 1.40%; 4.20% net interest margin against 4.19%.
15.29% tier 1 leverage ratio against 14.94%.
Inside the full First Northern Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Northern Bank and Trust Company rankings
Its closest position to the top of a national ranking is 1,113 of 4,196, for total assets; its furthest is 1,631 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.71% (Q4 2025) to 1.50% (Q3 2025) and its net interest margin ran from 3.84% (Q3 2024) to 4.20% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.29% | 1.41% | 1.16% | 5.42% | 4.20% |
| Q1 2026 | 14.99% | 1.44% | 1.19% | 5.81% | 4.10% |
| Q4 2025 | 14.35% | 0.71% | 1.21% | 5.92% | 4.09% |
| Q3 2025 | 14.92% | 1.50% | 0.60% | 3.61% | 4.19% |
| Q2 2025 | 14.94% | 1.40% | 0.68% | 4.00% | 4.19% |
| Q1 2025 | 14.40% | 1.24% | 0.67% | 4.03% | 3.98% |
| Q4 2024 | 13.67% | 1.20% | 0.45% | 3.23% | 4.08% |
| Q3 2024 | 13.71% | 1.05% | 0.70% | 4.28% | 3.84% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Northern Bank and Trust Company (main office) | Palmerton , PA | 18071 | $187.6M |
| Gilbert Branch | Gilbert , PA | 18331 | $153.3M |
| Northampton Branch | Northampton , PA | 18067 | $73.9M |
| Sciota Branch | Sciota , PA | 18354 | $66.4M |
| Mt. Bethel Branch | Mount Bethel , PA | 18343 | $64.5M |
| Tannersville Branch | Tannersville , PA | 18372 | $57.4M |
| Bath Branch | Bath , PA | 18014 | $45.0M |
| Blakeslee Branch | Blakeslee , PA | 18610 | $41.6M |
| Egypt Branch | Coplay , PA | 18037 | $29.5M |
| Wind Gap Branch | Wind Gap , PA | 18091 | $26.0M |
| Stroudsburg Branch | Stroudsburg , PA | 18360 | $16.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 1 against individuals associated with it
- August 6, 1992, OCC: Formal Agreement: The First National Bank Of Palmerton
- Period: Most recent institution action August 6, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in PA, rank 62 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 197 applications, 142 loans originated, $30.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 7 loans, $346K approved, $49K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Northern Bank and Trust Company
What are First Northern Bank and Trust Company's total assets?
As of the Q2 2026 filing, First Northern Bank and Trust Company reported total assets of $921.5 million in its FFIEC call report.
Where is First Northern Bank and Trust Company headquartered?
It is headquartered in Palmerton, PA, United States.
When was First Northern Bank and Trust Company founded?
It was established in 1907, per the FDIC institution directory.
Is First Northern Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7675). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Northern Bank and Trust Company?
First Northern Bank and Trust Company's primary federal regulator is the Federal Reserve.
How many branches does First Northern Bank and Trust Company operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Northern Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 5.42% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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