First Northern Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 9.78 percentage points in Q2 2026, from 166.80% to 157.02%. It was the largest change from Q1 2026 among the key lines here. First Northern Bank and Trust Company ranks 86th of 109 Pennsylvania banks on loan-to-deposit ratio, in the lower half at 75.21% (Q2 2026). First Northern Bank and Trust Company reported 75.21% on loan-to-deposit ratio for Q2 2026, 5.63 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $573.0M |
| Net loans and leases | $564.0M |
| Loans held for sale | $0 |
| Loans to total assets | 62.19% |
| Loan-to-deposit ratio | 75.21% |
| Net loans to equity capital | 4.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.12% |
| Multifamily (5+ residential) | 10.46% |
| Commercial and industrial | 3.96% |
| Consumer | 0.46% |
| Credit cards | 0.00% |
| Farm | 0.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.38% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 157.02% |
| Construction concentration (Tier 1 capital + allowance) | 19.78% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.84% |
| Interest income on loans | $8.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $530.7M | $876.0M | 41.71% | 8.02% | 0.67% |
| Q4 2023 | $534.4M | $793.0M | 42.42% | 7.37% | 0.63% |
| Q1 2024 | $545.8M | $767.8M | 41.91% | 7.10% | 0.58% |
| Q2 2024 | $540.3M | $753.7M | 40.11% | 7.73% | 0.58% |
| Q3 2024 | $556.1M | $823.1M | 40.79% | 7.75% | 0.54% |
| Q4 2024 | $532.2M | $777.9M | 39.75% | 5.57% | 0.54% |
| Q1 2025 | $526.3M | $756.6M | 38.49% | 5.23% | 0.55% |
| Q2 2025 | $553.8M | $729.6M | 37.76% | 5.10% | 0.53% |
| Q3 2025 | $566.8M | $809.9M | 37.74% | 4.45% | 0.51% |
| Q4 2025 | $573.2M | $781.6M | 37.27% | 4.42% | 0.50% |
| Q1 2026 | $584.5M | $774.0M | 37.79% | 4.19% | 0.46% |
| Q2 2026 | $573.0M | $761.9M | 38.12% | 3.96% | 0.46% |
First Northern Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Northern Bank and Trust Company, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Northern Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7675) · FFIEC NIC profile (RSSD 186717)