TellerScore

First Northern Bank and Trust Company (FDIC certificate #7675) is based in Palmerton, Pennsylvania. Its Q2 2026 call report shows $921.5M in total assets and $761.9M in deposits and 11 offices.

First Northern Bank and Trust Company has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 16th. Capital cushion contributes the most (100/100, 15.29%); loan quality contributes the least (61/100, 1.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.29%
Loan quality61/100
Noncurrent loans ÷ total loans: 1.16%
Earnings77/100
Return on assets (annualized): 1.43%
Funding & liquidity74/100
Loans ÷ deposits and uninsured-deposit share: 74.0% · 26.3% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.42%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (84 → 81), mostly because the loan quality component weakened by 16 points.

TellerScore
768185Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202479
Q4 202482
Q1 202583
Q2 202584
Q3 202585
Q4 202576
Q1 202680
Q2 202681
Tier 1 leverage ratio
5.00%10.14%15.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.13%
Q3 202413.71%
Q4 202413.67%
Q1 202514.40%
Q2 202514.94%
Q3 202514.92%
Q4 202514.35%
Q1 202614.99%
Q2 202615.29%
Noncurrent loans
0.45%0.83%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.72%
Q3 20240.70%
Q4 20240.45%
Q1 20250.67%
Q2 20250.68%
Q3 20250.60%
Q4 20251.21%
Q1 20261.19%
Q2 20261.16%
Return on assets
1.15%1.30%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.21%
Q3 20241.15%
Q4 20241.17%
Q1 20251.25%
Q2 20251.33%
Q3 20251.37%
Q4 20251.21%
Q1 20261.44%
Q2 20261.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$921.5M15.29%1.16%1.43%74.0%
Q1 202680$930.4M14.99%1.19%1.44%74.4%
Q4 202576$936.4M14.35%1.21%1.21%72.2%
Q3 202585$964.6M14.92%0.60%1.37%68.9%
Q2 202584$878.8M14.94%0.68%1.33%74.7%
Q1 202583$904.2M14.40%0.67%1.25%68.4%
Q4 202482$921.9M13.67%0.45%1.17%67.3%
Q3 202479$970.7M13.71%0.70%1.15%66.4%
Q2 202481$893.4M14.13%0.72%1.21%70.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.29%
88th
Total risk-based capital0.00%
24th
Problem loans1.16%
24th
Net charge-offs-0.14%
98th
Return on assets1.43%
61st
Net interest margin4.18%
64th
Efficiency ratio59.3%
59th
Loans to deposits74.0%
62nd
Uninsured deposits26.3%
41st
Loan-loss reserves1.57%
83rd
Texas ratio5.4%
33rd

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
The Juniata Valley BankBank Mifflintown, PA70 out of 100, Strong$917.9M8.6%0.05%vs
Atlantic Community Bankers BankBank Camp Hill, PA76 out of 100, Strong$942.0M15.8%0.53%vs
Harleysville BankBank Harleysville, PA74 out of 100, Strong$963.6M9.9%0.14%vs
First Resource BankBank Exton, PA67 out of 100, Moderate$840.9M8.6%0.12%vs
CfsbankBank Charleroi, PA66 out of 100, Moderate$773.4M11.0%0.24%vs
Asian BankBank Philadelphia, PA72 out of 100, Strong$685.9M19.1%1.22%vs

Deposit insurance

Is my money safe at First Northern Bank and Trust Company?

Yes. First Northern Bank and Trust Company is an FDIC-insured institution (FDIC certificate #7675). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.3% of deposits ($200.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.29%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

First Northern Bank and Trust Company lists 11 offices in 11 cities. Most locations:

  • Bath, PA (1)
  • Blakeslee, PA (1)
  • Coplay, PA (1)
  • Gilbert, PA (1)
  • Mount Bethel, PA (1)
  • Northampton, PA (1)
  • Palmerton, PA (1)
  • Sciota, PA (1)
  • Stroudsburg, PA (1)
  • Tannersville, PA (1)
  • Wind Gap, PA (1)

All branch addresses and map

Identity & history

Profile

Legal name
First Northern Bank and Trust Company
Former names
The First National Bank of Palmerton
Type
State-chartered bank (Fed member)
FDIC certificate #
7675
RSSD ID
186717
Primary regulator
FED
Holding company
Palm Bcorp
Established
October 24, 1907
Headquarters
4th Street And Lafayette Avenue, Palmerton, PA 18071
Employees
143

Quick answers

First Northern Bank and Trust Company: common questions

Is First Northern Bank and Trust Company FDIC insured?

Yes. First Northern Bank and Trust Company is an FDIC-insured institution (FDIC certificate #7675). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Northern Bank and Trust Company's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Northern Bank and Trust Company ever failed?

There is no failure record for FDIC certificate #7675 in the FDIC failed bank list.

How many branches does First Northern Bank and Trust Company have?

11 offices as of the latest FDIC data.

Nearby

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