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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Pennsylvania, the state note

First Northern Bank & Trust Co.

Palmerton, Pennsylvania · $921M in assets · beside the 11 other Pennsylvania banks between $300M and $1B

The filing

75.2%
Loans / deposits
2nd of 12
1.16%
NPA / loans
11th of 12
14.8%
Equity / assets
3rd of 12

First Northern Bank & Trust Co. is the third largest of the 12 Pennsylvania banks nearest its size between $300M and $1B, with $921M in assets at 30 June 2026. Loans are 75.2% of deposits, 2nd of 12 against a median of 92.2%, and equity is 14.8% of assets, 3rd of 12. Loans grew +3.5% in the year, 8th of 12, and deposits grew 4.4%; the cohort's median loan growth is +6.1%.

Noncurrent loans are 1.16% of the book, 11th of 12 against a median of 0.25%; 0.18% is 30 to 89 days past due, and the allowance covers them 1.4 times. Commercial real estate is 41.5% of loans, 9th of 12 against a median of 30.4%, and 167% of capital, below the 300% screen, with construction at 21% against the 100% screen.

Return on assets is 1.42%, 3rd of 12 against a median of 1.21%, on an efficiency ratio of 59.3%, 6th of 12. Five years ago it was 0.73%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsPA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 92.2% PB PS Bank 75.1% FN First Northern Bank & Trust Co. 75.2% PB Pennian Bank 77.3% C Cfsbank 77.4% JV Juniata Valley Bank 79.0% NT New Tripoli Bank 87.4% FR First Resource Bank 96.9% RS Reliance Savings Bank 98.3% IB Infirst Bank 98.4% HB Harleysville Bank 99.1% AC Atlantic Community Bankers Bank 104.0% AB Asian Bank 117.2%
Loans, year over yearPA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.1% AB Asian Bank +16.9% FR First Resource Bank +16.3% JV Juniata Valley Bank +14.4% C Cfsbank +10.2% PB PS Bank +8.5% RS Reliance Savings Bank +6.2% IB Infirst Bank +5.9% FN First Northern Bank & Trust Co. +3.5% NT New Tripoli Bank +3.4% AC Atlantic Community Bankers Bank +3.3% PB Pennian Bank +1.2% HB Harleysville Bank +0.5%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers, First Northern among them; owner-occupied excluded; bold marks a screen met
First NorthernRankCohort median
Total CRE against capital, the 300% screen167%7th of 12159%
Construction against capital, the 100% screen21%8th of 1219%
Construction and land development, share of loans5.2%9th of 123.1%
Non-owner-occupied nonfarm nonresidential, share of loans25.9%9th of 1215.2%
Total CRE, the guidance definition, share of loans41.5%9th of 1230.4%
CRE growth over 36 months, the third prong+12.0%2nd of 12+27.6%
Commercial real estate against capital, the 300% screenPA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 159% C Cfsbank 48% PB PS Bank 93% RS Reliance Savings Bank 136% IB Infirst Bank 140% NT New Tripoli Bank 142% PB Pennian Bank 150% FN First Northern Bank & Trust Co. 167% AB Asian Bank 251% AC Atlantic Community Bankers Bank 262% JV Juniata Valley Bank 282% HB Harleysville Bank 284% FR First Resource Bank 454%
CRE growth over 36 months, the guidance's third prongPA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +27.6% PB Pennian Bank -19.6% FN First Northern Bank & Trust Co. +12.0% NT New Tripoli Bank +13.5% HB Harleysville Bank +16.4% C Cfsbank +17.6% IB Infirst Bank +27.4% AC Atlantic Community Bankers Bank +27.8% RS Reliance Savings Bank +35.1% JV Juniata Valley Bank +48.6% PB PS Bank +54.6% FR First Resource Bank +67.1% AB Asian Bank +76.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Harleysville Bank$964M1.5%49.6%0.14%0.02%0.7%99.1%9.9%
Atlantic Community Bankers Bank$942M1.3%73.1%0.53%-0.02%1.6%104.0%16.2%
First Northern Bank & Trust Co.$921M1.4%59.3%1.16%-0.14%1.6%75.2%14.8%
Juniata Valley Bank$918M1.2%60.2%0.05%0.00%1.2%79.0%6.7%
First Resource Bank$841M1.4%53.2%0.12%0.00%0.8%96.9%8.3%
Cfsbank$773M0.2%90.4%0.24%0.01%0.5%77.4%9.8%
Asian Bank$686M1.3%47.4%1.22%0.05%1.1%117.2%18.5%
Infirst Bank$683M1.0%65.3%0.10%0.00%1.2%98.4%9.2%
PS Bank$675M1.9%49.5%0.10%0.01%1.2%75.1%10.4%
New Tripoli Bank$674M1.1%57.7%0.89%0.00%1.1%87.4%7.9%
Pennian Bank$668M0.4%88.8%1.09%0.01%1.2%77.3%7.4%
Reliance Savings Bank$649M0.3%88.8%0.26%0.01%0.9%98.3%12.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First NorthernCohort median
20212026Change20212026Change
Loans$567M$573M+1%$395M$554M+40%
Deposits$759M$762M+0%$471M$607M+29%
NPA / loans0.64%1.16%+0.53 pts0.45%0.25%-0.20 pts
Efficiency68.9%59.3%-9.6 pts66.3%59.8%-6.5 pts
ROA0.73%1.42%+0.69 pts0.84%1.21%+0.37 pts

This read was prepared for First Northern Bank & Trust Co.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Northern Bank & Trust Co. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort PA banks $300M to $1B
Institution www.1stnorthern.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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