Total Assets
$921.5M
Total Deposits
$761.9M
Branches
11
Established
1907
First Northern Bank and Trust Company is a bank headquartered in Palmerton, Pennsylvania, established in 1907. It holds $921.5M in total assets across 11 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First Northern Bank and Trust Company earns a TFS Financial Health Grade of A (91.5/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
91.5 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| First Northern Bank and Trust CompanyHQ | 4th Street And Lafayette Avenue | Palmerton | PA | 11 |
| First Northern Bank and Trust Company | 383 S Walnut St | Bath | PA | 11 |
| First Northern Bank and Trust Company | 342 Route 940 | Blakeslee | PA | 11 |
| First Northern Bank and Trust Company | 2228 Old Post Rd | Coplay | PA | 11 |
| First Northern Bank and Trust Company | 1256 Route 209 | Gilbert | PA | 11 |
| First Northern Bank and Trust Company | 2334 N Delaware Dr | Mount Bethel | PA | 11 |
| First Northern Bank and Trust Company | 102 Commerce Dr | Northampton | PA | 11 |
| First Northern Bank and Trust Company | 5654 Hamilton S | Sciota | PA | 11 |
| First Northern Bank and Trust Company | 101 Park Ave | Stroudsburg | PA | 11 |
| First Northern Bank and Trust Company | 3005 Pennsylvania 611 | Tannersville | PA | 11 |
| First Northern Bank and Trust Company | 6663 Sullivan Trail, Plainfield Township | Wind Gap | PA | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
91.5
Tier 1 capital ratio
15.29%
Return on assets
1.43%
Non-performing loans
1.16%
Efficiency ratio
59.32%
Asset growth (YoY)
4.86%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.