Community Reinvestment Act (CRA)
The Community Reinvestment Act (CRA) was enacted in 1977. The legislative intent behind the Act was to encourage an insured depository institution to meet the credit needs of its entire community, including consumer and commercial credit needs, with a special emphasis on real estate lending activities and the needs of low and moderate income (LMI) neighborhoods, consistent with the safe and sound operation of the institution.
First Northern Bank strongly supports, and hereby reaffirms, the goal of meeting the credit needs of the communities it serves, including LMI neighborhoods. CRA is an integral component of the Bank's planning process and sound business practices.
First Northern Bank believes that helping its neighbors build a better way of life through its loan and deposit services is simply good business. The Bank is proud of the fact that its lending programs, deposit and savings products, and other financial services have enabled its neighbors to purchase businesses, build financial security and enjoy their retirement years.
Areas of focus under the Community Reinvestment Act:
- Economic Development
- Affordable Housing
- Small Business
- Community Services targeted to low- and moderate-income individuals*
* Low-income is defined as <50% of the Area Median Income. Moderate-income is defined as at least 50% and <80% of Area Median Income.
Community Reinvestment Act Notice
Community Reinvestment Act Public File
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CRA Performance Evaluation
An evaluation of our record of meeting the credit needs of our entire community, including low-and moderate-income neighborhoods, consistent with safe and sound operation as prepared by our regulator, the Federal Deposit Insurance Corporation (FDIC).
CRA Performance Evaluation – May 8, 2023
Assessment Area Maps and Census Tracts
A map of each assessment area showing the boundaries of the area and the geographies contained within the area.
First Northern Bank Assessment Area Map 2025
First Northern Bank Assessment Area with Tracts
First Northern Bank Assessment Census Tracts
Current Branch and ATM Information
A list of our branch offices and ATMs, including street addresses and hours of operation.
Branch, ATM Locations, and Hours of Operation
Recent Opened and Closed Branches
Branch offices we have opened or closed during the current year and each of the prior two years.
Products, Services, and Fees
The products, services, and fees shown are available at all branch locations. There are no differences in products and service fees between locations.
Home Mortgage Disclosure Act (HMDA) Notice & Statements
Any member of the public or organization may access First Northern Bank’s prior years HMDA Disclosure Statement at the Consumer Finance Protection Bureau’s (CFPB’s) website.
HMDA Disclosure Statement Notice
Written Public Comments
Written comments received from the public for the current year, and each of the two prior calendar years, that specifically relate to First Northern Bank’s performance in helping to meet community credit needs, including response to comments by The Bank.
First Northern Bank has not received any CRA-related comments in the two years preceding March 31, 2026.
CRA Related Questions
If you have any questions related to the Community Reinvestment Act or would like to receive a hard copy of this file, please contact:
Frank Marshall
AVP/ CRA & HMDA Manager
[email protected]
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