Total Assets
$936M
Total balance-sheet footings
FDIC Cert #7675 · Palmerton, Pennsylvania · Est. 1907
First Northern Bank and Trust Company - FDIC Bank Health Profile
A community-scale look at First Northern Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $936M
- Total assets
- A
- Health grade · Excellent
- 1.21%
- Return on assets
- 14.4%
- Tier 1 capital
Data updated July 2026
The verdict
First Northern Bank and Trust Company earns a PlainBankData health grade of A (83/100), with well-capitalized at 14.35% Tier 1, profitable at 1.21% ROA, 65% efficiency ratio.
- #1,111
- largest of 4,313 FDIC banks by assets
- 74th
- percentile by asset size, nationally
- 14.35%
- Tier 1 ratio - above the 10% well-capitalized line
- 58th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First Northern Bank and Trust Company's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Northern Bank and Trust Company's composite health score
Tier 1 Capital Ratio (14.35%) 35/40
Return on Assets (ROA) (1.21%) 20/25
Texas Ratio (4.92%) 20/20
Efficiency Ratio (64.86%) 8/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$782M
Customer-funded liabilities
Net Loans
$564M
Outstanding loan book
Net Income
$11M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Northern Bank and Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Northern Bank and Trust Company's score of 83/100 falls in the highlighted band.
First Northern Bank and Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Northern Bank and Trust Company's $936M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.35% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.35%
Texas Ratio
4.92%
Equity Capital
$132M
Profitability metrics
Return on Assets (ROA)
58th percentile nationally
1.21%
Return on Equity (ROE)
8.91%
Efficiency Ratio
64.86%
What the numbers say about First Northern Bank and Trust Company
First Northern Bank and Trust Company is an FDIC-insured institution (Certificate #7675) headquartered in Palmerton, Pennsylvania, established in 1907. It holds $936M in total assets - 1,111th of 4,313 FDIC-insured banks, $782M in customer deposits, and $564M in net loans. Looking at capital strength, Tier 1 stands at 14.35%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 4.92%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (83/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Pennsylvania, First Northern Bank and Trust Company ranks 49th of 112 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$45M
Interest Income
$3M
Non-Interest Income
$24M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Northern Bank and Trust Company reports a Texas Ratio of 4.92% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.92% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Pennsylvania by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Northern Bank and Trust Company (FDIC Cert #7675) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |
Frequently asked questions
What is First Northern Bank and Trust Company's health grade?▼
First Northern Bank and Trust Company receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First Northern Bank and Trust Company?▼
First Northern Bank and Trust Company holds $936M in total assets and $782M in deposits, ranking 1,111th of 4,313 FDIC-insured banks by asset size. It is headquartered in Palmerton, Pennsylvania.
Is my money safe at First Northern Bank and Trust Company?▼
Yes, deposits at First Northern Bank and Trust Company (Certificate #7675) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Northern Bank and Trust Company's Tier 1 Capital Ratio?▼
First Northern Bank and Trust Company has a Tier 1 Capital Ratio of 14.35%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Northern Bank and Trust Company?▼
First Northern Bank and Trust Company has a Texas Ratio of 4.92%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Northern Bank and Trust Company?▼
First Northern Bank and Trust Company has an Efficiency Ratio of 64.86%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Northern Bank and Trust Company's profile as a depositor or analyst.
- First Northern Bank and Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Northern Bank and Trust Company against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.