First Northern Bank and Trust Company: how it compares with its peers
Against 40 PA banks with half to twice its assets, First Northern Bank and Trust Company's strongest measure in Q2 2026 is net interest margin (4.18% vs. a 3.43% peer median). Its weakest relative measure is assets per employee ($6.4M vs. $7.8M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.43% | 1.04% | Top third Ahead of 80% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.18% | 3.43% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.32% | 65.85% | Middle third Ahead of 65% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $7.8M | Bottom third Ahead of 23% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.03% | 84.62% | Context |
What it means for lending operations
Its efficiency ratio of 59.32% is better than the 65.85% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Juniata Valley Bank Mifflintown, PA · $918M
- Atlantic Community Bankers Bank Camp Hill, PA · $942M
- Harleysville Bank Harleysville, PA · $964M
- First Resource Bank Exton, PA · $841M
- Jonestown Bank and Trust Company, of Jonestown, Pennsylvania Jonestown, PA · $1.01B
- First Federal Savings and Loan Association of Greene Co Waynesburg, PA · $1.03B
Questions about First Northern Bank and Trust Company
How big is First Northern Bank and Trust Company?
First Northern Bank and Trust Company, established in 1907, is headquartered in Palmerton, PA. It reported $921M in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is First Northern Bank and Trust Company's return on assets?
1.43% annualized in Q2 2026, against a 1.04% median for 40 PA banks with half to twice its assets, ahead of 80% of them.
What is First Northern Bank and Trust Company's efficiency ratio?
59.32% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 65.85%, and lower is better.
Is First Northern Bank and Trust Company growing its loans?
Net loans grew 3.5% over the year to Q2 2026, while deposits grew 4.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.