Burst of digital data

Community Reinvestment Act (CRA) Public File

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.

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.