First Northern Bank&Trust Co (FDIC #7675): Bank Stress & Real-Estate Credit Exposure

First Northern Bank&Trust Co (FDIC Cert #7675): bank stress 45/100, moderate, STABLE over 7 days; parent PALM BCORP.

First Northern Bank&Trust Co (#7675) lends in 4 counties across 1 state; First Northern Bank&Trust Co (#7675) reaches 110 ZIP codes: Pennsylvania 4 counties, 110 ZIPs.

First Northern Bank&Trust Co (#7675) largest markets: Lehigh County, PA (36 branches, 36 ZIPs) (#7675), Monroe County, PA (175 branches, 35 ZIPs) (#7675), Northampton County, PA (104 branches, 26 ZIPs) (#7675), Carbon County, PA (21 branches, 21 ZIPs) (#7675).

First Northern Bank&Trust Co (#7675) reports $921.5 million in total assets; First Northern Bank&Trust Co (#7675) equity $136.0 million (14.8% of First Northern Bank&Trust Co (#7675) assets); First Northern Bank&Trust Co (#7675) domestic deposits $761.9 million; First Northern Bank&Trust Co (#7675) net income $6.6 million; First Northern Bank&Trust Co (#7675) return on assets 1.43%; First Northern Bank&Trust Co (#7675) return on equity 9.95%; First Northern Bank&Trust Co (#7675) net interest income $18.0 million; First Northern Bank&Trust Co (#7675) call report June 30, 2026.

First Northern Bank&Trust Co (#7675) noncurrent real-estate loans: none reported; First Northern Bank&Trust Co (#7675) multifamily -0.80%; First Northern Bank&Trust Co (#7675) net charge-offs on real estate 1.28%; First Northern Bank&Trust Co (#7675) residential charge-offs 2.61%.

First Northern Bank&Trust Co (#7675) net interest margin 4.18% against an eight-quarter First Northern Bank&Trust Co (#7675) average of 4.04% (First Northern Bank&Trust Co (#7675) compression -0.14 points); First Northern Bank&Trust Co (#7675) non-residential real estate 261.0% of equity; First Northern Bank&Trust Co (#7675) rate-exposure score 40/100, First Northern Bank&Trust Co (#7675) fixed-rate trap 40/100; First Northern Bank&Trust Co (#7675) risk type credit driven; First Northern Bank&Trust Co (#7675) rate regime rates elevated, First Northern Bank&Trust Co (#7675) snapshot October 20, 2026.

First Northern Bank&Trust Co (#7675) stress score moved from 40.9 on June 22, 2026 to 45.2 on October 20, 2026; First Northern Bank&Trust Co (#7675) ranged 40.9 to 45.2 over 117 snapshots.

First Northern Bank&Trust Co (#7675) alerts: 4 counties; top First Northern Bank&Trust Co (#7675) alert scores: Coplay County, PA 18 (low); Palmerton County, PA 18 (low); Tannersville County, PA 18 (low); Wind Gap County, PA 18 (low).