BlastPoint's Banking Scorecard
First Northern Bank and Trust Company
Community
Specialty: Commercial
PA
FDIC cert 7675
Palmerton, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
First Northern Bank and Trust Company faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 23% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$936.4M
+1.6% YoY
-2.9% QoQ
|
-$455.1M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$564.4M
+7.8% YoY
+1.1% QoQ
|
-$411.0M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$781.6M
+0.5% YoY
-3.5% QoQ
|
-$383.1M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
1.21%
+3.3% YoY
-11.8% QoQ
|
+0.05% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
4.10%
+5.1% YoY
+0.6% QoQ
|
+0.43% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
64.86%
+0.4% YoY
+7.3% QoQ
|
+2.22% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
1.23%
+169.5% YoY
+100.7% QoQ
|
+0.60% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
72.22%
+7.3% YoY
+4.8% QoQ
|
-10.84% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
31.05%
+0.8% YoY
+5.9% QoQ
|
+10.00% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
0.89%
+100.4% YoY
+72.0% QoQ
|
+0.39% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.31%
+15.9% YoY
+33.3% QoQ
|
-0.43% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Capital Thin
risk
#102 of 432 · Bottom 23% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.05% · Tier avg: 21.05%
77
77th pctile
Loan-to-Deposit Ratio
Current: 72.22% · Tier avg: 83.06%
74
74th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.66%
57
57th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
45
45th pctile
Total Assets
Current: $936.4M · Tier avg: $1.4B
45
45th pctile
Total Deposits
Current: $781.6M · Tier avg: $1.2B
41
41th pctile
Efficiency Ratio
Current: 64.86% · Tier avg: 62.63%
38
38th pctile
Total Loans
Current: $564.4M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
25
25th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.89% · Tier avg: 0.50%
20
20th pctile
Delinquency Rate
Current: 1.23% · Tier avg: 0.63%
Top Weaknesses
20
20th pctile
Delinquency Rate
Current: 1.23% · Tier avg: 0.63%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.89% · Tier avg: 0.50%
25
25th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
38
38th pctile
Total Loans
Current: $564.4M · Tier avg: $975.5M
41
41th pctile
Efficiency Ratio
Current: 64.86% · Tier avg: 62.63%
45
45th pctile
Total Deposits
Current: $781.6M · Tier avg: $1.2B
45
45th pctile
Total Assets
Current: $936.4M · Tier avg: $1.4B
57
57th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
74
74th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.66%
77
77th pctile
Loan-to-Deposit Ratio
Current: 72.22% · Tier avg: 83.06%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.05% · Tier avg: 21.05%