First Northern Bank and Trust Company

Overview / Commentary

www.1stnorthern.bank

800-344-2274

Fourth St. &Lafayette Ave.
Palmerton, PA 18071

First Northern Bank and Trust Company is headquartered in PALMERTON and is the 51^st largest bank in the state of Pennsylvania. It is also the 1,093^rd largest bank in the nation. It was established in 1907 and as of June of 2023, it had grown to 140 employees at 11 locations. First Northern Bank and Trust Company has a B+ health rating.

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Health

B+

Data as of Q2 2023

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Health Grade Components

Overall
FDIC Certificate #	7675
Year Established	1907
Employees	140
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.1%
Return on Equity - YTD	9.91%
Annual Interest Income	$20.0MM

Assets and Liabilities
Assets	Q2 2023vs Q2 2022	$900.5MM$933.9MM
Loans	Q2 2023vs Q2 2022	$534.4MM$528.7MM
Deposits	Q2 2023vs Q2 2022	$782.7MM$828.3MM
Equity Capital	Q2 2023vs Q2 2022	$105.5MM$103.5MM
Loan Loss Allowance	Q2 2023vs Q2 2022	$9.0MM$8.1MM
Unbacked Noncurrent Loans	Q2 2023vs Q2 2022	$1.7MM$3.1MM
Real Estate Owned	Q2 2023vs Q2 2022	$2.6MM$2.5MM

Rates

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Money Market
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CD
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Northern Bank and Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$100	-	Royal Savings Account
0.20%	$1	-	Kid's Statement Savings
0.20%^*	$100k^*	-	Paperless Savings
OTHER TIERS: 0.10% → $200 - $50k \| 0.15% → $50k - $100k
0.15%	$100	-	Student Savings
0.10%	$20	-	All Purpose Club
0.05%	$100	-	Statement Savings
0.05%	-	-	Business Statement Savings Account
0.05%	$10	-	Christmas Club w/ automatic payments
0.03%	$10	-	Christmas Club w/ payment schedule

First Northern Bank and Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$2.5k	-	Money Market Passbook Account
0.05%	$1k	-	Money Market Checking Account
0.05%	$1k	-	Business Money Market Checking Account
0.05%	$2.5k	-	Business Money Market Passbook Account

First Northern Bank and Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
5.38%	-	-	Muni NOW Checking
0.05%	$1k	-	Now Account
0.05%	$1k	-	Business NOW Account

First Northern Bank and Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.72%	$1k	-	3 Year Adjustable CD
1.30%	$1k	-	5 Year CD
1.30%	$1k	-	5 Year Kid's CD
1.30%	$1k	-	5 Year Royal CD
1.20%	$1k	-	4 Year CD
1.10%	$1k	-	3 Year CD
1.05%	$1k	-	2½ Year CD
1.00%	$1k	-	2 Year CD
0.90%	$1k	-	1 Year CD
0.80%	$1k	-	182 Day CD
0.50%	$1k	-	91 Day CD

First Northern Bank and Trust Company IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.72%	$1k	-	3 Year Adjustable IRA
1.30%	$1k	-	5 Year IRA
1.20%	$1k	-	4 Year IRA
1.10%	$1k	-	3 Year IRA
1.05%	$1k	-	2½ Year IRA
1.00%	$1k	-	2 Year IRA
0.95%	$250	-	1½ Year Adjustable IRA
0.90%	$1k	-	1 Year IRA
0.80%	$1k	-	182 Day IRA
0.50%	$1k	-	91 Day IRA

Locations

Availability

Wilkes Barre Area

Wilkes Barre Area bank & credit union details

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