What are the current interest rates at First Northern Bank and Trust Company?

Current rates for First Northern Bank and Trust Company include: 12-Month CD: 1.50%, 24-Month CD: 2.00%, 36-Month CD: 3.00%, 48-Month CD: 2.50%, 60-Month CD: 2.50%, Savings: 0.25%, MMA: 0.05%

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First Northern Bank and Trust Company

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First Northern Bank and Trust Company Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Northern Bank and Trust Company provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

First Northern Bank and Trust Company's top rates as of October 7, 2026 are 4.81% APY on its 3 Year Adjustable CD, 0.25% APY on savings, 0.05% APY on money market accounts, 0.05% APY on checking, 6.50% on its 10-Year Fixed Rate Mortgage, and personal loans from 12.154% APR, according to rates verified by MonitorBankRates. Other First Northern Bank and Trust Company CD rates include 3 Year Adjustable IRA at 4.81%, 2 Year (24-Month) Adjustable CD at 4.73%, and 1 Year (12-Month) Adjustable CD at 4.44%. Other First Northern Bank and Trust Company mortgage rates include 15-Year Fixed Rate Mortgage at 6.75%, 20-Year Fixed Rate Mortgage at 7.00%, and 30-Year Fixed Rate Mortgage at 7.25%. MonitorBankRates evaluates the financial stability of First Northern Bank and Trust Company with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.78%. Rates last updated and verified on 10/07/2026.

First Northern Bank and Trust Company money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Northern Bank and Trust Company? Share your experience about First Northern Bank and Trust Company by leaving a review below, or read customer reviews before you decide to use First Northern Bank and Trust Company.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.78%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

First Northern Bank and Trust Company

4th Street And Lafayette Avenue
Palmerton, PA 18071

https://www.1stnorthern.bank

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

First Northern Bank and Trust Company CD Rates

Product	Rate	APY	Term
3 Year Adjustable CD	4.73%	4.81%	3 Year
Min Deposit $1,000 Min Balance $1,000 Details See details. Not available for purchase effective June 7, 2022. Last Updated 10/07/2026 Rate History 1 change since Sep 27, 2026 · 4.29% → 4.81% ▲ 0.52 pts · high 4.81% / low 4.29% Oct 4, 20264.81%▲ from 4.29% Sep 27, 20264.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
3 Year Adjustable IRA	4.73%	4.81%	3 Year
Min Deposit $1,000 Min Balance $1,000 Details See details. Not available for purchase effective June 7, 2022. Last Updated 10/07/2026 Rate History 1 change since Sep 27, 2026 · 4.29% → 4.81% ▲ 0.52 pts · high 4.81% / low 4.29% Oct 4, 20264.81%▲ from 4.29% Sep 27, 20264.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
2 Year (24 Month) Adjustable CD	4.65%	4.73%	2 Year
Min Deposit $5,000 Min Balance $5,000 Details Open account in person. See details. Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 4.29% → 4.73% ▲ 0.44 pts · high 4.73% / low 4.29% Oct 7, 20264.73%▲ from 4.29% Sep 19, 20264.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
1 Year (12 Month) Adjustable CD	4.37%	4.44%	1 Year
Min Deposit $5,000 Min Balance $5,000 Details Open account in person. See details. Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 4.09% → 4.44% ▲ 0.35 pts · high 4.44% / low 4.09% Oct 7, 20264.44%▲ from 4.09% Sep 19, 20264.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
9 Month CD	3.68%	3.70%	9 Month
Min Deposit $10,000 Min Balance $10,000 Details Open account in person. See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
2 Year CD	2.97%	3.00%	2 Year
Min Deposit $1,000 Min Balance $1,000 Details Open account online. See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
2 Year IRA	2.97%	3.00%	2 Year
Min Deposit $1,000 Min Balance $1,000 Details Open account in person. See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
21/2 Year CD	2.97%	3.00%	21/2 Year
Min Deposit $1,000 Min Balance $1,000 Details Open account online. See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
3 Year CD	2.97%	3.00%	3 Year
Min Deposit $1,000 Min Balance $1,000 Details Open account online. See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
3 Year IRA	2.97%	3.00%	3 Year
Min Deposit $1,000 Min Balance $1,000 Details Open account in person. See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
4 Year CD	2.48%	2.50%	4 Year
Min Deposit $1,000 Min Balance $1,000 Details Open account online. See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
4 Year IRA	2.48%	2.50%	4 Year
Min Deposit $1,000 Min Balance $1,000 Details Open account in person. See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
5 Year CD	2.48%	2.50%	5 Year
Min Deposit $1,000 Min Balance $1,000 Details Open account online. See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
5 Year IRA	2.48%	2.50%	5 Year
Min Deposit $1,000 Min Balance $1,000 Details Open account in person. See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
5 Year Kid's CD	2.48%	2.50%	5 Year
Min Deposit $1,000 Min Balance $1,000 Details Open account in person. See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
5 Year Royal CD	2.48%	2.50%	5 Year
Min Deposit $1,000 Min Balance $1,000 Details Open account in person. See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
11/2 Year Adjustable IRA	1.99%	2.00%	11/2 Year
Min Deposit $250 Min Balance $250 Details Open account in person. See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
1 Year CD	1.49%	1.50%	1 Year
Min Deposit $1,000 Min Balance $1,000 Details Open account in person. See details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
1 Year IRA	1.49%	1.50%	1 Year
Min Deposit $1,000 Min Balance $1,000 Details Open account in person. See details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
182 Day CD	1.00%	1.00%	182 Day
Min Deposit $1,000 Min Balance $1,000 Details Open account online. See details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
91 Day CD	0.75%	0.75%	91 Day
Min Deposit $1,000 Min Balance $1,000 Details Open account online. See details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

First Northern Bank and Trust Company Savings Rates

Product	Rate	APY
Royal Savings	0.25%	0.25%
Min Deposit $1,000 Min Balance $100 Details See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Kid's Statement Savings	0.20%	0.20%
Min Deposit $1 Min Balance $1 Details See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Paperless Savings	0.20%	0.20%
Min Deposit $25 Min Balance $100,000 Details Open account online. See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Paperless Savings	0.15%	0.15%
Min Deposit $25 Min Balance $50,000 Details Open account online. See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Student Savings	0.15%	0.15%
Min Deposit $25 Min Balance $100 Details See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
All Purpose Club	0.10%	0.10%
Min Deposit $20 Min Balance $20 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Paperless Savings	0.10%	0.10%
Min Deposit $25 Min Balance $200 Details Open account online. See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Statement Savings	0.05%	0.05%
Min Deposit $25 Min Balance $100 Details Open account online. See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

First Northern Bank and Trust Company Business Savings Rates

Product	Rate	APY
Business Statement Savings	0.05%	0.05%
Min Deposit $100 Min Balance $250,000 Details See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Statement Savings	0.05%	0.05%
Min Deposit $100 Min Balance $100,000 Details See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Statement Savings	0.05%	0.05%
Min Deposit $100 Min Balance $50,000 Details See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Consumer Money Market Savings and Business Money Market Savings	0.05%	0.05%
Min Deposit $2,500 Min Balance $2,500 Details See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Consumer Money Market Savings and Business Money Market Savings	0.05%	0.05%
Min Deposit $2,500 Min Balance $50,000 Details See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Consumer Money Market Savings and Business Money Market Savings	0.05%	0.05%
Min Deposit $2,500 Min Balance $100,000 Details See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

First Northern Bank and Trust Company Business Money Market Rates

Product	Rate	APY
Consumer Money Market Savings and Business Money Market Savings	0.05%	0.05%
Min Deposit $2,500 Min Balance $2,500 Details See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Consumer Money Market Savings and Business Money Market Savings	0.05%	0.05%
Min Deposit $2,500 Min Balance $50,000 Details See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Consumer Money Market Savings and Business Money Market Savings	0.05%	0.05%
Min Deposit $2,500 Min Balance $100,000 Details See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

First Northern Bank and Trust Company Checking Rates

Product	Rate	APY	View More
NOW Checking	0.05%	0.05%
Min Deposit $1,000 Min Balance $1,000 Details Open account online. See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

First Northern Bank and Trust Company Business Checking Rates

Product	Rate	APY
Business NOW Checking	0.05%	0.05%
Min Deposit $1,000 Min Balance $1,000 Details See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Consumer Money Market Checking and Business Money Market Checking	0.05%	0.05%
Min Deposit $1,000 Min Balance $50,000 Details See details. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

First Northern Bank and Trust Company Mortgage Rates

Product	Rate	Points	APR	Term
10-Year Fixed Rate Mortgage	6.50%	0	6.842%	10-Year
Details 720 minimum credit score required. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.33% → 6.84% ▲ 0.51 pts · high 6.84% / low 6.33% Oct 7, 20266.84%▲ from 6.59% Sep 27, 20266.59%▲ from 6.33% Sep 15, 20266.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
15-Year Fixed Rate Mortgage	6.75%	0	6.998%	15-Year
Details 720 minimum credit score required. Last Updated 10/07/2026 Rate History 3 changes since Sep 15, 2026 · 6.49% → 7.00% ▲ 0.51 pts · high 7.00% / low 6.49% Oct 7, 20267.00%▲ from 6.74% Sep 27, 20266.74%▲ from 6.62% Sep 24, 20266.62%▲ from 6.49% Sep 15, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
20-Year Fixed Rate Mortgage	7.00%	0	7.205%	20-Year
Details 720 minimum credit score required. Last Updated 10/07/2026 Rate History 3 changes since Sep 15, 2026 · 6.69% → 7.21% ▲ 0.51 pts · high 7.21% / low 6.69% Oct 7, 20267.21%▲ from 6.95% Sep 27, 20266.95%▲ from 6.82% Sep 24, 20266.82%▲ from 6.69% Sep 15, 20266.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
30-Year Fixed Rate Mortgage	7.25%	0	7.411%	30-Year
Details 720 minimum credit score required. Last Updated 10/07/2026 Rate History 3 changes since Sep 15, 2026 · 6.90% → 7.41% ▲ 0.51 pts · high 7.41% / low 6.90% Oct 7, 20267.41%▲ from 7.16% Sep 27, 20267.16%▲ from 7.03% Sep 24, 20267.03%▲ from 6.90% Sep 15, 20266.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Unimproved Land "Lots" (first Mortgage only)	-	-	9.683%	61 to 120 months
Details 760 minimum credit score required. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 9.68% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

First Northern Bank and Trust Company Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity	-	-	6.38%	6 to 60 months
Details 740 minimum credit score required. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.13% → 6.38% ▲ 0.25 pts · high 6.38% / low 6.13% Sep 27, 20266.38%▲ from 6.13% Sep 15, 20266.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Home Equity	-	-	6.706%	61 to 120 months
Details 740 minimum credit score required. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.46% → 6.71% ▲ 0.25 pts · high 6.71% / low 6.46% Sep 27, 20266.71%▲ from 6.46% Sep 15, 20266.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Home Equity	-	-	6.899%	121 to 180 months
Details 740 minimum credit score required. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.65% → 6.90% ▲ 0.25 pts · high 6.90% / low 6.65% Sep 27, 20266.90%▲ from 6.65% Sep 15, 20266.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Home Equity	-	-	7.121%	181 to 240 months
Details 740 minimum credit score required. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.87% → 7.12% ▲ 0.25 pts · high 7.12% / low 6.87% Sep 27, 20267.12%▲ from 6.87% Sep 15, 20266.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

First Northern Bank and Trust Company Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto/Light Truck Loans (finance up to 80% of the total contract price)	-	-	7.006%	60 months
Details 740 minimum credit score required. No application fee. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 7.01% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
New Auto/Light Truck Loans (finance up to 80% of the total contract price)	-	-	7.506%	61 to 84 Months
Details 740 minimum credit score required. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 7.51% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

First Northern Bank and Trust Company Personal Loan Rates

Product	APR	Term	View More
Personal Loans	12.154%	36 months
Details Maximum Loan Amount $10,000. Must have an existing Loan Account or Deposit Account relationship that has been established for greater than 12 months at time of application. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 12.15% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

First Northern Bank and Trust Company Other Rates

Product	Rate	Points	APY/APR	Term
182 Day IRA	1.00%	-	1.00%	182 Day
Min Deposit $1,000 Min Balance $1,000 Details Open account in person. See details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
91 Day IRA	0.75%	-	0.75%	91 Day
Min Deposit $1,000 Min Balance $1,000 Details Open account in person. See details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First Northern Bank and Trust Company’s Texas Ratio stayed near 5.59% in Q3 2023 to 5.78% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$921M	5.78%	5.0	A+
March 31, 2026	$930M	6.19%	5.0	A
December 31, 2025	$936M	6.32%	5.0	A
September 30, 2025	$965M	3.85%	5.0	A+
June 30, 2025	$879M	4.29%	5.0	A+
March 31, 2025	$904M	4.32%	5.0	A+
December 31, 2024	$922M	3.47%	5.0	A+
September 30, 2024	$971M	4.61%	5.0	A+
June 30, 2024	$893M	6.22%	5.0	A
March 31, 2024	$891M	5.57%	5.0	A+
December 31, 2023	$916M	5.64%	5.0	A+
September 30, 2023	$988M	5.59%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Northern Bank and Trust Company is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Northern Bank and Trust Company rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Northern Bank and Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Northern Bank and Trust Company

Bank Holding Company PALM BCORP

Address 4th Street And Lafayette Avenue, Palmerton, PA 18071 · Carbon

Website https://www.1stnorthern.bank

FDIC Certificate # 7675

Established 19071024

FDIC Insurance Date 19340101

Domestic Offices 11

Total Branches 11

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.78%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4295%

Return on Equity (ROE) 9.9500%

Non-Performing Loans (NPL) 0.72%

Total Assets $921,494,000

Total Deposits $761,912,000

Equity Capital $135,996,000

Net Income $6,643,000

Headquarters Palmerton

Total Branches and Offices 11

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First Northern Bank and Trust Company earned the Verified Healthy badge

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Frequently Asked Questions About First Northern Bank and Trust Company

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

First Northern Bank and Trust Company currently maintains approximately 11 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Northern Bank and Trust Company does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Northern Bank and Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does First Northern Bank and Trust Company offer online and mobile banking?

Most modern institutions like First Northern Bank and Trust Company provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.1stnorthern.bank.

Current First Northern Bank and Trust Company Rates

12-Month CD1.50%
24-Month CD2.00%
36-Month CD3.00%
48-Month CD2.50%
60-Month CD2.50%
Savings0.25%
MMA0.05%

Retrieved from our database of financial products. Rates subject to change.

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First Northern Bank and Trust Company Rates & Review October 2026

Brian McKay

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First Northern Bank and Trust Company earned the Verified Healthy badge

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Frequently Asked Questions About First Northern Bank and Trust Company

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Northern Bank and Trust Company offer online and mobile banking?

Current First Northern Bank and Trust Company Rates

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