First Northern Bank and Trust Company Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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First Northern Bank and Trust Company's 9-Month 9-Month CD rates are at 3.80%, 3 Year Adjustable CD rates are at 3.66%, 2 Year (24-Month) Adjustable CD rates are at 3.59%, 1 Year (12-Month) Adjustable CD rates are at 3.56%, 5 Year CD rates are at 1.30%. First Northern Bank and Trust Company's savings rates are at 0.05%. First Northern Bank and Trust Company's money market rates are at 0.05%. First Northern Bank and Trust Company's Mortgage rates are at 5.25%, Mortgage rates are at 5.50%, Mortgage rates are at 5.88%, Mortgage rates are at 6.00%.
Rate Updates and AvailabilityFirst 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. First Northern Bank and Trust Company Texas RatioFirst Northern Bank and Trust Company's Texas Ratio is at 5.59%, which is considered excellent. The Texas Ratio for First Northern Bank and Trust Company is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
First Northern Bank and Trust Company has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, First Northern Bank and Trust Company is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable.
First Northern Bank and Trust Company
4th Street And Lafayette Avenue
Palmerton, PA 18071 
First Northern Bank and Trust Company CD Rates
First Northern Bank and Trust Company Savings Rates
First Northern Bank and Trust Company Money Market Rates
First Northern Bank and Trust Company Checking Rates
First Northern Bank and Trust Company Mortgage Rates
First Northern Bank and Trust Company Home Equity & HELOC
First Northern Bank and Trust Company Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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 & OverviewFirst Northern Bank and Trust Company
4th Street And Lafayette AvenuePalmerton, PA 18071 Carbon Established Date: 10/24/1907 FDIC Certificate #: 7675 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: PALM BCORP How Many Domestic U.S. Offices? 11 How Many Branches are There? 11 Website: https://www.1stnorthern.bank
Is First Northern Bank and Trust Company FDIC Insured? Yes
What is First Northern Bank and Trust Company's Cert number? 7675
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$890,703,000
Total Deposits:
$767,778,000
Equity Capital:
$112,873,000
Net Income:
$2,605,000
Return on Assets (ROA):
1.1267%
Return on Equity (ROE):
10.3500%
Headquarters:
Palmerton
Regulator:
FED
# of Offices:
11
Source: FDIC | Last Updated 03/31/2024
Customer Reviewsqmoh
December 17, 2025
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Frequently Asked Questions About First Northern Bank and Trust CompanyHow do I open an account at First Northern Bank and Trust Company?You can typically open an account at First Northern Bank and Trust Company by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, First Northern Bank and Trust Company provides a range of mortgage and home equity products. Is First Northern Bank and Trust Company a safe place to deposit money?Yes, First Northern Bank and Trust Company is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. 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 including online balance checks and transfers. Compare to other Banks |
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