Bank · FDIC insured
First Northern Bank and Trust
A $921.5M bank headquartered in Palmerton, PA, with 11 branches in Pennsylvania. Best rates: CDs 4.81% and savings 0.10% APY.
First Northern Bank and Trust Carrot Score
73
Carrot Score
Higher than 33% of U.S. banks and credit unions
#19 of 39 in Allentown, PA-NJ metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Northern Bank and Trust
Chartered in 1907 to satisfy the needs of a fledgling mining town, First Northern Bank and Trust opened in 1908 in Palmerton, Pennsylvania.
It is a family-owned, state-chartered bank and the sole subsidiary of Palm-Bancorp, Inc.
The bank operates 11 offices across four Northeastern Pennsylvania counties: Carbon, Lehigh, Monroe, and Northampton.
- Headquarters
- 4th Street And Lafayette Avenue, Palmerton, PA 18071
- FDIC certificate
- 7675 ↗
Branches
11 branches in Pennsylvania
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Pennsylvania
11 branches
Allentown area · 6
- First Northern Bank and Trust CompanyMain office4th Street And Lafayette Avenue, Palmerton, PA 18071Directions
- Bath Branch383 S Walnut St, Bath, PA 18014Directions
- Egypt Branch2228 Old Post Rd, Coplay, PA 18037Directions
- Mt. Bethel Branch2334 N Delaware Dr, Mount Bethel, PA 18343Directions
- Northampton Branch102 Commerce Dr, Northampton, PA 18067Directions
- Wind Gap Branch6663 Sullivan Trail, Plainfield Township, Wind Gap, PA 18091Directions
East Stroudsburg area · 5
- Blakeslee Branch342 Route 940, Blakeslee, PA 18610Directions
- Gilbert Branch1256 Route 209, Gilbert, PA 18331Directions
- Sciota Branch5654 Hamilton S, Sciota, PA 18354Directions
- Stroudsburg Branch101 Park Ave, Stroudsburg, PA 18360Directions
- Tannersville Branch3005 Pennsylvania 611, Tannersville, PA 18372Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.29% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.16% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.43% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $75 | $81 | — |
- CapitalLeverage ratio15.29%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.16%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.43%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$75Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Northern Bank and Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.