First Northern Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Northern Bank and Trust Company of Palmerton, PA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.41% | 1.35% | +0.06% | 58th above |
| ROAE | 9.76% | 12.05% | -2.29% | 34th below |
| Net Interest Margin | 4.20% | 3.90% | +0.30% | 64th above |
| Efficiency Ratio | 58.24% | 63.15% | -4.91% | 59th above |
| PPNR / Avg Assets | 1.68% | 1.64% | +0.04% | 56th above |
| Yield on Earning Assets | 5.29% | 5.65% | -0.36% | 35th below |
| Cost of Funds | 1.24% | 1.85% | -0.61% | 83rd top |
| Net Interest Spread | 3.44% | 3.35% | +0.09% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.16% | 0.92% | +0.24% | 25th below |
| NPA / Total Assets | 0.85% | 0.67% | +0.18% | 24th bottom |
| NCO / Avg Loans | -0.18% | 0.15% | -0.33% | 98th top |
| ACL / Total Loans | 1.57% | 1.28% | +0.29% | 82nd top |
| ACL / NPLs (Coverage) | 135.21% | 1645.78% | -1510.57% | 37th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.42% | 7.15% | -1.73% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.29% | 12.46% | +2.83% | 88th top |
| Equity / Assets | 14.76% | 11.67% | +3.09% | 87th top |
| TCE / Tangible Assets | 14.76% | 11.40% | +3.36% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.21% | 78.64% | -3.43% | 61st above |
| Core Deposit Ratio | 94.86% | 87.09% | +7.77% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.86% | 6.47% | -1.61% | 53rd above |
| Loan Growth (Y/Y) | 3.47% | 7.64% | -4.17% | 40th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.43% | 6.02% | -1.59% | 53rd above |
See First Northern Bank and Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Northern Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Northern Bank and Trust Company profile, how to read a UBPR, or how this data updates.