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Giving Back to the Community

Since 1907, First Northern Bank & Trust has been firmly rooted in the communities we are privileged to serve. From corporate sponsorship to the volunteer efforts of our many team members, we are proud to help improve the quality of life for our neighbors and friends. We invite you to join us along the way!



Behind the List with Todd Lakey of First Northern Bank & Trust Co.
'Stimulating local economic growth'

By Christopher HollandApril 18, 2016 at 6:00 AM


Operating and managing any financial institution means hard work and dedication. Whether it's a large conglomerate or a smaller, community-based company, making smart decisions and implementing strong business tactics into daily operations are imperative to the prosperity of not only the business, but also to customers.

One community-based bank that makes a significant impact in the Greater Lehigh Valley is First Northern Trust Bank & Trust Co., based in Palmerton.

Here to answer this week's “Behind the List” questions is Todd Lakey, senior vice president and chief mortgage officer of the bank.

Lehigh Valley Business: How long has First Northern Bank & Trust Co. been operating in the region and what are its primary services?

Todd Lakey: Many people still remember our original name, The First National Bank of Palmerton. The bank first opened for business in 1908 … actually, we were the borough's first financial institution.

First Northern Bank & Trust Co. is a rock-solid, reliable financial partner, leader and citizen, active in the current affairs of the communities we serve. Thanks to the loyalty of thousands of customers, we continue to grow and prosper through our 11 branch locations in four counties: Carbon, Lehigh, Monroe and Northampton.

FNBT offers a complete line of personal and business financial services, including business checking, business loans, lines of credit, commercial mortgages and more. We combine friendly service with the latest technologies to make banking quick, easy and convenient. Our customers enjoy online banking, mobile banking, text alerts and much more.

LVB: What have been some of the biggest challenges and opportunities that First Northern Bank & Trust Co. has encountered throughout its years in business?

Lakey: I would say that some of our biggest challenges have been the same ones that everyone has faced, ever-changing technology, changing regulations and the slow economic recovery. The bank has survived the uncertainty of the Great Depression and the trials of World War II, as well as the most recent economic downturn.

Our employees had the privilege of serving the children and grandchildren of the bank's very first customers, establishing a tradition of legacy banking that continues to this day. Fortunately, over the years, the decisions of our management team have succeeded in keeping us a strong and stable force in the community.

As far as opportunities go, we've always been committed to developing new service and product offerings that help improve the quality of life for our customers. Every day, we are presented with new opportunities to better ourselves, customers' experience and our communities, and we do all we can to take advantage of those opportunities to continue the traditions and success of the bank.

LVB: How does First Northern Bank & Trust Co. directly stimulate the local economy? How does it get involved with the local community?

Lakey: We take pride in offering community banking services, backed by traditional values and unmatched customer service. Our employees live in the communities we serve and truly value the role they play in helping our communities continue to grow and prosper.

As a family owned and operated bank, our local-decision makers can be agile and flexible with businesses and consumers, offering fast approvals and customized financial solutions for a variety of needs.

Plus, we keep your money right here in the community, stimulating local economic growth and providing jobs for our friends and neighbors. If our communities prosper, we all prosper.

First Northern Bank & Trust Co. is also involved with the financial literacy of not only our customers, but high school students in some of our area school districts.

The bank has partnered with area school districts to provide an accredited online financial literacy program as part of the curriculum. This program educates the students on several important topics such as credit scores, savings, loans, etc.

LVB: Advancements in technology have been making banking easier for customers, specifically mobile banking. Does First Northern Bank & Trust Co. offer this to its customers, and what are some of its perks?

Lakey: I think advancing technology has changed the landscape for all of us, enabling us to provide our customers with increased ease and convenience for day-to-day banking.

We offer a full suite of online and mobile banking services, including a custom app for iPhone or Android, online financial management, online bill-pay, mobile deposit, online cash management, text alerts, e-statements and much more. In fact, we will soon be adding P2P (person-to-person) transfer services to that list.

As a local bank, we take the time to listen to our customers and carefully consider their feedback each time we add a new product or service.

LVB: What does the future look like for First Northern Bank & Trust Co.? Does it have plans for growth?

Lakey: First Northern Bank is committed to remaining a tried and true, independent, family owned and operated community bank.

We look forward to continuing to provide personal, relationship-based banking. In a world where so many of us are often treated as a number, at First Northern Bank we know our customers by name.

We strive to frequently add new products and services to help our customers be successful.

Published by: Lehigh Valley Business

Go Red for Women

 First Northern Bank & Trust employees wear red for healthy hearts!

Friends of Phoebe

This holiday season, the Bath, Northampton, and Egypt offices teamed up to provide gifts for a little girl from Moore Township and her family. Phoebe, is 6 years old and was diagnosed with Leukemia this past September. On Tuesday January 5th Phoebe, her brother Jack, and her parents were invited to the Bath branch to receive and open the gifts that were collected for them. There were also donations from local business’s, and some generous First Northern customers. Everybody had a great time and was very appreciative of the kindness bestowed upon them. It was a pleasure to meet and spend time with such a special little girl and her wonderful family.


Business of the Year Award

Update: 9/23/2015 

"The magnanimous generosity we received from your establishment has not gone unnoticed." First Northern Bank & Trust has received the Business of the Year Award given at the Knights of Columbus Awards Dinner.


Palm Bancorp, Inc. Promotes Financial Literacy at Bangor Area High School

May 1, 2015 4:00 PM EDT

Palm Bancorp, Inc. (the “Company”), parent holding company for First Northern Bank and Trust Co. (the “Bank”), today announced its presentation of the Financial Literacy Program being held at Bangor Area High School. Students in grades nine through twelve, along with participation from Mrs. Raines, a teacher at the school, were introduced to the values of personal credit scores, lending and banking terminology, and the disciplines of thrift.

Frank Checho, Vice Chairman of the Board of Directors and Co-Chief Executive Officer for the Company stated: “I am thrilled to join the Board in applauding the efforts of our Officers and Staff with their community outreach programs, In particular Todd Lakey, Jesenia Galindez, and Suzanne Perry, for sharing their knowledge and expertise about banking and personal finance with the students at Bangor Area High School. We are all proud to partner with Everfi and provide practical financial advice that today’s students will greatly benefit from knowing.”

Palm Bancorp, Inc. with $684.5 million in consolidated assets at December 31, 2014, is the parent holding company for First Northern Bank and Trust Co., a state member of the Federal Reserve Bank of Philadelphia insured by the Federal Deposit Insurance Corporation.  The Bank serves individuals and businesses with eleven full service locations in Monroe, Carbon, Lehigh, and Northampton counties.


Giving Back to Carbon County 

Update: March 2, 2015 

The Family Promise basketball team raised money to help families in Carbon County. First Northern Bank & Trust was also a proud sponsor at this event!! Thank you to all that have donated!!


Boards of Charitable Organizations

This section highlights First Northern Bank and Trust Co. Officers and employees who's memberships on such boards of charitable organizations benefit low to moderate income level individuals.

Blakeslee Branch: Donates food to Top O the Mountain Ecumencial Council's local food bank year round

Tiffany Cappuccino: Wind Gap Christmas Tree Lighting Committee, Boy Scouts of America Slate Belt-Nazareth Friends of Scouting Committee, Slate Belt Chamber of Commerce volunteer, & Greater Pocono Chamber Commerce volunteer

Susan Choy: Concorse Club Finance Chairperson, Sacred Heart Church Finance Committee, Palmerton Area Library Association Treasurer, Horsehead Community Development Treasurer, & Palmerton Christmas Lights Committee Treasurer

Donna Frack: Nazareth Bath Chamber of Commerce 

Andrea McGuire: Clymer Library Treasurer for Tobyhanna & Tunkhannock Townships

Wendy Milhime: North Whitehall Township Senior Day volunteer 

Alexander Santos: Community Action Committee of the Lehigh Valley (CACLV) board member 

Kathy Sommer: North Whitehall Township Senior Day Volunteer 

Stroudsburg Branch: "Collection Basket" of dry goods donated to the Salvation Army  year round

Palmerton, Gilbert, Sciota, Tannersville, and Wind Gap branches also took part in the "Ice Bucket Challenge". Check out the pictures and videos on our Facebook page!

Wind Gap: 



Christmas in the Park FNBT Tree decorated by the Marketing Department:

Palm Bancorp, Inc. Presents First Northern Financial Scholars Certificates

Update: June 19, 2014 

Palm Bancorp, Inc., the parent holding company of First Northern Bank and Trust Co., was pleased to present First Northern Financial Scholars Certificates at the graduation ceremonies held this past summer at the Roberto Clemente Charter School in Allentown, Pennsylvania. Jesenia Galindez, accompanied by Alexander Santos, two Vice Presidents of the Bank, were present to distribute the Certificates to seven graduating Seniors. Words of encouragement were offered by Ms. Galindez as the Certificates were handed out by educator Eric Frey.

Frank Checho, Vice Chairman of the Board of Directors and Co-Chief Executive Officer of First Northern Bank and Trust Co. stated, "I am pleased that these individuals earned this accolade by taking an interest in personal finance and completing First Northern's Financial Scholars Program. We consider it our duty to educate young adults on the importance of personal finance. The lessons they have learned will serve them well in life and help enable them to become more informed, responsible citizens. We believe that this initiative, in partnership with EverFi, is a valuable component of our Community Reinvestment outreach."

Powered by EverFi technology, this web-based learning high school platform - First Northern's Financial Scholars Program - uses the latest in new media technologies (video, animations, 3-D gaming, avatars, and social networking) to bring complex financial concepts to life for today's digital generation. High school students may become certified in over 600 financial education topics.

First Northern's Financial Scholars Program offers a 10-unit course that includes 6-8 hours of programming aimed at teaching, assessing and certifying students in a variety of financial topics including credit scores, insurance, credit cards, student loans, mortgages, taxes, stocks, savings, 401k's and other critical concepts that map to national financial literacy standards. The learning platform tracks knowledge gain as well as students' attitudes and behaviors on these important issues. Individuals who successfully complete the course receive certification in Financial Literacy, a valuable mark of distinction on college applications and resumes.

Palm Bancorp, Inc. with $677 million in consolidated assets is the parent holding company for First Northern Bank and Trust Co., a state member of the Federal Reserve Bank of Philadelphia insured by the Federal Deposit Insurance Corporation. The Bank serves individuals and businesses with eleven full service locations in Monroe, Carbon, Lehigh, and Northampton counties.

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