First Northern Bank and Trust Company

Headquarters: Palmerton, Pennsylvania
Charter: Bank
Assets: $921.5M
Fed district: Philadelphia

19 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 14, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 14, 2026

How these figures are measured

Call-report figures are for First Northern Bank and Trust Company at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	First Northern Bank and Trust Company's published fee schedule; Bank Fee Index medians	Current schedule	Oct 14, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First Northern Bank and Trust Company (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $156K in Q2 2026, 6.0% below the same quarter a year earlier ($166K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
First Northern Bank and Trust Company: $15
First Northern Bank and Trust Company: $15
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $13.50, the middle of its prices
First Northern Bank and Trust Company: $7 to $20
First Northern Bank and Trust Company: $7 to $20
U.S. median: no median
Stop Payment
First Northern Bank and Trust Company: $30
First Northern Bank and Trust Company: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Among its peers

First Northern Bank and Trust Company · $921M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$896M to $946M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First Northern Bank and Trust Company(this institution)	Palmerton, PA	$921M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
American Bank & Trust Company, Inc.	Bowling Green, KY	$924M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Botetourt	Buchanan, VA	$939M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
DR Bank	Darien, CT	$913M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
FinWise Bank	Murray, UT	$915M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Commerce Bank	Lewisburg, TN	$935M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Community Bank of Tennessee	Shelbyville, TN	$944M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fortress Bank	Peoria, IL	$897M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Franklin Savings Bank	Franklin, NH	$931M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Greenfield Banking Company	Greenfield, IN	$930M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Greenfield Co-operative Bank	Greenfield, MA	$902M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Legends Bank	Clarksville, TN	$928M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Lindell Bank & Trust Company	St. Louis, MO	$915M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mechanics Bank	Mansfield, OH	$896M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mechanics Cooperative Bank	Taunton, MA	$899M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Mountain Pacific Bank	Everett, WA	$896M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Oxford Bank	Oxford, MI	$931M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Passumpsic Savings Bank	Saint Johnsbury, VT	$934M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
SpiritBank	Tulsa, OK	$913M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
StonehamBank, A Co-operative Bank	Stoneham, MA	$918M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Terrabank, National Association	Miami, FL	$898M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas Heritage National Bank	Daingerfield, TX	$936M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Farmers Bank	Portland, TN	$943M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The First National Bank of Granbury	Granbury, TX	$946M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Juniata Valley Bank	Mifflintown, PA	$918M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Thrivent Bank	Salt Lake City, UT	$906M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

First Northern Bank and Trust Company does not publish a monthly maintenance fee in the index.

The peer median is $8 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 22, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Northern Bank and Trust Company does not publish a monthly maintenance fee, so it is not on this chart.

First Northern Bank and T…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 22, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First Northern Bank and Trust Company (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 14 quarters on file

Latest, Q2 2026: $156K
vs prior quarter: −$14K−8.2%; from Q1 2026
vs a year earlier: −$10K−6.0%; from Q2 2025
vs start of range: −$16K−9.3%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First Northern Bank and Trust Company (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$156K	−$14K	−8.2%
Q1 2026	$170K	$0	0.0%
Q4 2025	$170K	−$8K	−4.5%
Q3 2025	$178K	+$12K	+7.2%
Q2 2025	$166K	$0	0.0%
Q1 2025	$166K	−$19K	−10.3%
Q4 2024	$185K	+$13K	+7.6%
Q3 2024	$172K	+$3K	+1.8%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First Northern Bank and Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Early Closing of AccountClub Account$20
Dormant fee$5
per month
Dormant fee$12
Not compared: Quarterly charge, not monthly
per quarter
Hourly Account Reconcilement$20
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail Fee (monthly)$2.50
per month

Overdraft & NSF

Bounce Protection per Paid Item:Tier 1$15
Overdraft Protection Transfer$10

ATM & Card

Replacement Card Fee$5

Wire Transfers

Outgoing Wires$7
Wire Transfer Fees: Outgoing$20
Incoming Wires$2
Wire Transfer Fees: Incoming$10
International Wire Transfer Fee$35

Check Services

Treasurer’s Check$10
Money Order$5
Stop Payment$30
Counter Checks (Set of 4)$4
Collection Item: Incoming/Outgoing$20

Digital & Electronic

ACH per File$5
per item

Account Services

Drilling Box$250
Not compared: Box drilling or key fee
Lost Key$20
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$95
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$95
Safe Deposit Box 2 x 5$15
Safe Deposit Box 2 x 5 (audience not stated, treated as personal)$15
Safe Deposit Box 3 x 10$35
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)$35
Safe Deposit Box 3 x 5$20
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$20
Safe Deposit Box 4 x 5$25
Safe Deposit Box 4 x 5 (audience not stated, treated as personal)$25
Safe Deposit Box 5 x 10$70
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$70
Safe Deposit Box 5 x 5$30
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)$30
Safe Deposit Box 7 x 10$80
Safe Deposit Box 7 x 10 (audience not stated, treated as personal)$80
Writ of Execution/Garnishment$150

Lending Fees

Late Payment (30 days)$10

Other Fees

Duplicate Monthly Statement$5
Not compared: Monthly charge, not per item
per month
Fax: First Page$3
Special Statement Request$5

Fee	Amount	Basis	Note
Account Maintenance
Early Closing of AccountClub Account	$20	Not stated	None
Dormant fee	$5	per month	None
Dormant fee	$12Not compared: Quarterly charge, not monthly	per quarter	None
Hourly Account Reconcilement	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail Fee (monthly)	$2.50	per month	None
Overdraft & NSF
Bounce Protection per Paid Item:Tier 1	$15	Not stated	None
Overdraft Protection Transfer	$10	Not stated	None
ATM & Card
Replacement Card Fee	$5	Not stated	None
Wire Transfers
Outgoing Wires	$7	Not stated	None
Wire Transfer Fees: Outgoing	$20	Not stated	None
Incoming Wires	$2	Not stated	None
Wire Transfer Fees: Incoming	$10	Not stated	None
International Wire Transfer Fee	$35	Not stated	None
Check Services
Treasurer’s Check	$10	Not stated	None
Money Order	$5	Not stated	None
Stop Payment	$30	Not stated	None
Counter Checks (Set of 4)	$4	Not stated	None
Collection Item: Incoming/Outgoing	$20	Not stated	None
Digital & Electronic
ACH per File	$5	per item	None
Account Services
Drilling Box	$250Not compared: Box drilling or key fee	Not stated	None
Lost Key	$20Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$95	Not stated	None
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$95	Not stated	None
Safe Deposit Box 2 x 5	$15	Not stated	None
Safe Deposit Box 2 x 5 (audience not stated, treated as personal)	$15	Not stated	None
Safe Deposit Box 3 x 10	$35	Not stated	None
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)	$35	Not stated	None
Safe Deposit Box 3 x 5	$20	Not stated	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$20	Not stated	None
Safe Deposit Box 4 x 5	$25	Not stated	None
Safe Deposit Box 4 x 5 (audience not stated, treated as personal)	$25	Not stated	None
Safe Deposit Box 5 x 10	$70	Not stated	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$70	Not stated	None
Safe Deposit Box 5 x 5	$30	Not stated	None
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)	$30	Not stated	None
Safe Deposit Box 7 x 10	$80	Not stated	None
Safe Deposit Box 7 x 10 (audience not stated, treated as personal)	$80	Not stated	None
Writ of Execution/Garnishment	$150	Not stated	None
Lending Fees
Late Payment (30 days)	$10	Not stated	None
Other Fees
Duplicate Monthly Statement	$5Not compared: Monthly charge, not per item	per month	None
Fax: First Page	$3	Not stated	None
Special Statement Request	$5	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Early Closing of AccountClub Account$20
Dormant fee$5
per month
Dormant fee$12
Not compared: Quarterly charge, not monthly
per quarter
Excessive Transaction Fee on Money Market Checking and Money Market Business Checking$5
Hourly Account Reconcilement$20
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail Fee (monthly)$2.50
per month

Overdraft & NSF

Bounce Protection per Paid Item:Tier 1$15
Overdraft Protection Transfer$10

ATM & Card

Replacement Card Fee$5

Wire Transfers

Outgoing Wires$7
Wire Transfer Fees: Outgoing$20
Incoming Wires$2
Wire Transfer Fees: Incoming$10
International Wire Transfer Fee$35

Check Services

Treasurer’s Check$10
Money Order$5
Stop Payment$30
Counter Checks (Set of 4)$4
Collection Item: Incoming/Outgoing$20

Digital & Electronic

ACH per File$5
per item

Cash & Deposit

Returned Deposit Item (Business Accounts)$10

Account Services

Drilling Box$250
Not compared: Box drilling or key fee
Lost Key$20
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$95
Safe Deposit Box 2 x 5$15
Safe Deposit Box 3 x 10$35
Safe Deposit Box 3 x 5$20
Safe Deposit Box 4 x 5$25
Safe Deposit Box 5 x 10$70
Safe Deposit Box 5 x 5$30
Safe Deposit Box 7 x 10$80
Writ of Execution/Garnishment$150

Lending Fees

Late Payment (30 days)$10

Other Fees

Duplicate Monthly Statement$5
Not compared: Monthly charge, not per item
per month
Fax: First Page$3
Special Statement Request$5

Fee	Amount	Basis	Note
Account Maintenance
Early Closing of AccountClub Account	$20	Not stated	None
Dormant fee	$5	per month	None
Dormant fee	$12Not compared: Quarterly charge, not monthly	per quarter	None
Excessive Transaction Fee on Money Market Checking and Money Market Business Checking	$5	Not stated	None
Hourly Account Reconcilement	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail Fee (monthly)	$2.50	per month	None
Overdraft & NSF
Bounce Protection per Paid Item:Tier 1	$15	Not stated	None
Overdraft Protection Transfer	$10	Not stated	None
ATM & Card
Replacement Card Fee	$5	Not stated	None
Wire Transfers
Outgoing Wires	$7	Not stated	None
Wire Transfer Fees: Outgoing	$20	Not stated	None
Incoming Wires	$2	Not stated	None
Wire Transfer Fees: Incoming	$10	Not stated	None
International Wire Transfer Fee	$35	Not stated	None
Check Services
Treasurer’s Check	$10	Not stated	None
Money Order	$5	Not stated	None
Stop Payment	$30	Not stated	None
Counter Checks (Set of 4)	$4	Not stated	None
Collection Item: Incoming/Outgoing	$20	Not stated	None
Digital & Electronic
ACH per File	$5	per item	None
Cash & Deposit
Returned Deposit Item (Business Accounts)	$10	Not stated	None
Account Services
Drilling Box	$250Not compared: Box drilling or key fee	Not stated	None
Lost Key	$20Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$95	Not stated	None
Safe Deposit Box 2 x 5	$15	Not stated	None
Safe Deposit Box 3 x 10	$35	Not stated	None
Safe Deposit Box 3 x 5	$20	Not stated	None
Safe Deposit Box 4 x 5	$25	Not stated	None
Safe Deposit Box 5 x 10	$70	Not stated	None
Safe Deposit Box 5 x 5	$30	Not stated	None
Safe Deposit Box 7 x 10	$80	Not stated	None
Writ of Execution/Garnishment	$150	Not stated	None
Lending Fees
Late Payment (30 days)	$10	Not stated	None
Other Fees
Duplicate Monthly Statement	$5Not compared: Monthly charge, not per item	per month	None
Fax: First Page	$3	Not stated	None
Special Statement Request	$5	Not stated	None

Correct a fee source

Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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