We are privileged to serve four counties in Pennsylvania.
The Community Reinvestment Act (CRA), enacted by Congress in 1977, requires the Federal Reserve, the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency (OCC), and the Federal Deposit Insurance Corporation (FDIC) to encourage financial institutions - including First Northern Bank and Trust - to help meet the credit needs of the communities in which we do business, including low- and moderate-income (LMI) neighborhoods.
To comply with the Community Reinvestment Act (CRA), First Northern Bank and Trust Co.’s CRA Public File is available to the public. Please note, the content is current as of April 1 of each year, and may reflect occasional updates.
- CRA PERFORMANCE EVALUATION
2021 CRA Performance Evaluation, PDF, 4.1MB - RETAIL BRANCH LOCATIONS
2024 Branch and ATM Locations, Addresses, and Hours, PDF, 153kB - LOAN AND DEPOSIT PRODUCTS, SERVICES, AND FEES
2024 Products and Services, PDF, 91kB
Schedule of Service Fees dated March 11, 2024, PDF, 449kB - ASSESSMENT AREAS
2024 CRA Assessment Area Maps, PDF, 1.8MB - CRA DISCLOSURE STATEMENTS
2022 CRA Disclosure Statement, PDF, 103kB
2021 CRA Disclosure Statement, PDF, 2.7MB - HOME MORTGAGE DISCLOSURE ACT NOTICE
HMDA Notice, PDF, 138kB - CRA NOTICE
2024 Community Reinvestment Act Notice, PDF, 138kB
If you have questions, call 1-800-344-2274 and ask to speak with a representative in our Compliance Department.
To request a hard copy of the CRA Public File, kindly stop into one of our 11 convenient branch locations.