Overview
- TickerFNRN on Nasdaq2
- IndustrySavings Institution, Federally Chartered2
- HeadquartersDixon, United States2
- Incorporated inCA3
- Business address195 N First Street, Dixon, Ca 956203
- Filer categoryNon-accelerated filer, Smaller reporting company3
- Legal formFor-Profit Corporation General Stock2
- LEI2549000R7VWCN47XEP362
- StatusActive2
- LEI statusIssued and current2
- Registered addressC/O JEREMIAH Z SMITH, 95620 Dixon, United States2
- Registered withSecretary of State, 22124742
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First Northern Community Bancorp (the “Company”) is a bank holding company registered under the Bank Holding Company Act of 1956, as amended (“BHCA”). Its legal headquarters and principal administrative offices are located at 195 N. First Street, Dixon, CA 95620 and its telephone number is (707) 678-3041. The Company provides a full range of community banking services to individual and corporate customers throughout the California Counties of Solano, Yolo, Placer, and Sacramento as well as portions of El Dorado County through its wholly-owned subsidiary bank, First Northern Bank of Dixon (“First Northern” or the “Bank”). The Company’s operating policy since inception has emphasized the banking needs of individuals and small- to medium-sized businesses. In addition, the Bank owns 100% of the capital stock of Yolano Realty Corporation, a subsidiary created for the purpose of managing selec…5 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Debit Card brought in 62% of the revenue FIRST NORTHERN COMMUNITY BANCORP broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2024 | 2025 |
|---|---|---|
| Debit Card | $2.8M | $2.7M |
| Deposit Account | $1.7M | $1.7M |
Financial statements
Every line of the income statement as filed: the last 2 fiscal years, latest first.6
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Interest and fees on loans | $58.0M | $55.4M |
| Due from banks interest bearing accounts | $4.9M | $7.2M |
| Taxable | $16.8M | $13.8M |
| Non-taxable | $1.6M | $1.2M |
| Other earning assets | $1.0M | $1.1M |
| Total interest and dividend income | $82.3M | $78.7M |
| Time deposits over $250,000 | $1.4M | $1.0M |
| Other deposits | $13.3M | $13.2M |
| FHLB advances | $75.0K | $0 |
| Total interest expense | $14.8M | $14.3M |
| Net interest income | $67.5M | $64.4M |
| Reversal of provision for credit losses | $0 | -$250.0K |
| Net interest income after reversal of provision for credit losses | $67.5M | $64.6M |
| Losses on sales/calls of available-for-sale securities | -$199.0K | -$234.0K |
| Gains on sales of loans held-for-sale | $45.0K | $52.0K |
| Noninterest Income, Other | $1.9M | $1.7M |
| Total non-interest income | $6.1M | $6.0M |
| Salaries and employee benefits | $25.4M | $23.9M |
| Occupancy and equipment | $5.1M | $4.7M |
| Data processing | $4.6M | $4.2M |
| Stationery and supplies | $339.0K | $313.0K |
| Advertising | $491.0K | $460.0K |
| Director fees | $300.0K | $309.0K |
| Amortization of core deposit intangible | $731.0K | $820.0K |
| Other expense | $9.3M | $8.1M |
| Total non-interest expenses | $46.2M | $42.8M |
| Income before provision for income tax | $27.4M | $27.8M |
| Provision for income tax | $6.3M | $7.8M |
| Net income | $21.1M | $20.0M |
| Basic income per share (in dollars per share) | $1.30 | $1.20 |
| Diluted income per share (in dollars per share) | $1.27 | $1.19 |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 3 fiscal years (annual) or 3 quarters (quarterly), latest first.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and cash equivalents | $145.6M | $119.4M | |
| Certificates of deposit | $10.2M | $16.1M | |
| Investment securities available-for-sale, at estimated fair value, net of allowance for credit losses of $0; amortized cost of $639,532 at December 31, 2025 and $682,346 at December 31, 2024 | $617.2M | $633.9M | |
| Loans net of allowance for credit losses of $14,519 at December 31, 2025 and $15,885 at December 31, 2024 | $1.1B | $1.0B | |
| Stock in Federal Home Loan Bank and other equity securities, at cost | $10.9M | $10.5M | |
| Premises and equipment, net | $8.7M | $9.2M | |
| Other real estate owned | $1.2M | $0 | |
| Intangible assets, net | $4.3M | $3.3M | $4.1M |
| Interest Receivable and Other Assets | $62.3M | $52.4M | |
| Total Assets | $1.9B | $1.9B | |
| Demand | $632.1M | $670.6M | |
| Interest-bearing transaction deposits | $438.9M | $421.1M | |
| Savings and MMDAs | $466.5M | $458.4M | |
| Time, $250,000 or less | $88.0M | $108.6M | |
| Time, over $250,000 | $53.6M | $41.4M | |
| Total Deposits | $1.7B | $1.7B | |
| Accrued Liabilities and Other Liabilities | $19.8M | $15.3M | |
| Total Liabilities | $1.7B | $1.7B | |
| Common stock, no par value; 32,000,000 shares authorized; 16,406,281 and 15,943,051 shares issued and outstanding at December 31, 2025 and 2024, respectively | $134.6M | $127.9M | |
| Additional paid-in capital | $977.0K | $977.0K | |
| Retained earnings | $92.0M | $81.3M | |
| Accumulated other comprehensive loss, net | -$15.5M | -$33.9M | |
| Total Stockholders Equity | $212.0M | $176.3M | $159.2M |
| Total Liabilities and Stockholders Equity | $1.9B | $1.9B | |
| Debt Securities, Available-for-Sale, Allowance for Credit Loss, Excluding Accrued Interest | $0 | $0 | |
| Debt Securities, Available-for-Sale, Amortized Cost, Excluding Accrued Interest, before Allowance for Credit Loss | $639.5M | $682.3M | |
| Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest | $14.5M | $15.9M | $16.6M |
| Common Stock, No Par Value (in dollars per share) | $0 | $0 | |
| Common Stock, Shares Authorized (in shares) | 32.0M shares | 32.0M shares | |
| Common Stock, Shares, Issued (in shares) | 16.4M shares | 15.9M shares | |
| Common Stock, Shares, Outstanding (in shares) | 16.4M shares | 15.9M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and cash equivalents | $145.6M | $119.4M | |
| Certificates of deposit | $10.2M | $16.1M | |
| Investment securities available-for-sale, at estimated fair value, net of allowance for credit losses of $0; amortized cost of $639,532 at December 31, 2025 and $682,346 at December 31, 2024 | $617.2M | $633.9M | |
| Loans net of allowance for credit losses of $14,519 at December 31, 2025 and $15,885 at December 31, 2024 | $1.1B | $1.0B | |
| Stock in Federal Home Loan Bank and other equity securities, at cost | $10.9M | $10.5M | |
| Premises and equipment, net | $8.7M | $9.2M | |
| Other real estate owned | $1.2M | $0 | |
| Intangible assets, net | $4.3M | $3.3M | $4.1M |
| Interest Receivable and Other Assets | $62.3M | $52.4M | |
| Total Assets | $1.9B | $1.9B | |
| Demand | $632.1M | $670.6M | |
| Interest-bearing transaction deposits | $438.9M | $421.1M | |
| Savings and MMDAs | $466.5M | $458.4M | |
| Time, $250,000 or less | $88.0M | $108.6M | |
| Time, over $250,000 | $53.6M | $41.4M | |
| Total Deposits | $1.7B | $1.7B | |
| Accrued Liabilities and Other Liabilities | $19.8M | $15.3M | |
| Total Liabilities | $1.7B | $1.7B | |
| Common stock, no par value; 32,000,000 shares authorized; 16,406,281 and 15,943,051 shares issued and outstanding at December 31, 2025 and 2024, respectively | $134.6M | $127.9M | |
| Additional paid-in capital | $977.0K | $977.0K | |
| Retained earnings | $92.0M | $81.3M | |
| Accumulated other comprehensive loss, net | -$15.5M | -$33.9M | |
| Total Stockholders Equity | $212.0M | $176.3M | $159.2M |
| Total Liabilities and Stockholders Equity | $1.9B | $1.9B | |
| Debt Securities, Available-for-Sale, Allowance for Credit Loss, Excluding Accrued Interest | $0 | $0 | |
| Debt Securities, Available-for-Sale, Amortized Cost, Excluding Accrued Interest, before Allowance for Credit Loss | $639.5M | $682.3M | |
| Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest | $14.5M | $15.9M | $16.6M |
| Common Stock, No Par Value (in dollars per share) | $0 | $0 | |
| Common Stock, Shares Authorized (in shares) | 32.0M shares | 32.0M shares | |
| Common Stock, Shares, Issued (in shares) | 16.4M shares | 15.9M shares | |
| Common Stock, Shares, Outstanding (in shares) | 16.4M shares | 15.9M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 2 fiscal years, latest first.6
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net income | $21.1M | $20.0M |
| Reversal of provision for credit losses | $0 | -$250.0K |
| Amortization of core deposit intangible | $731.0K | $820.0K |
| Stock-based compensation | $849.0K | $846.0K |
| Depreciation and amortization of bank premises and equipment | $996.0K | $1.1M |
| Accretion and amortization of investment securities premiums and discounts, net | -$1.4M | $230.0K |
| Net loss on sales/calls of available-for-sale securities | $199.0K | $234.0K |
| Gain on sale of loans held-for-sale | -$45.0K | -$52.0K |
| (Benefit) provision for deferred income taxes | -$355.0K | $603.0K |
| Proceeds from sales of loans held-for-sale | $3.2M | $4.6M |
| Originations of loans held-for-sale | -$3.1M | -$4.5M |
| Increase in deferred loan origination costs, net | -$591.0K | -$64.0K |
| Amortization of operating lease right-of-use asset | $925.0K | $918.0K |
| Gain on tax credit purchase | -$1.2M | $0 |
| Purchase of tax credit | -$14.2M | $0 |
| Increase in interest receivable and other assets | -$6.0M | -$412.0K |
| Increase (decrease) in interest payable and other liabilities | $5.9M | -$4.5M |
| Net cash provided by operating activities | $6.9M | $19.5M |
| Proceeds from maturities of available-for-sale securities | $60.2M | $85.8M |
| Proceeds from sales of available-for-sale securities | $31.9M | $6.6M |
| Principal repayments on available-for-sale securities | $86.4M | $75.5M |
| Purchase of available-for-sale securities | -$134.5M | -$230.3M |
| Proceeds from maturities of certificates of deposit | $7.1M | $9.3M |
| Purchases of certificates of deposit | -$1.2M | -$5.7M |
| Purchases of stock in Federal Home Loan Bank and other equity securities, at cost | -$353.0K | $0 |
| Net (increase) decrease in loans | -$3.0M | $5.9M |
| Purchases of bank premises and equipment, net | -$1.7M | -$343.0K |
| Net cash provided by (used in) investing activities | $44.8M | -$53.3M |
| Net (decrease) increase in deposits | -$20.9M | $7.6M |
| FHLB advances | $20.0M | $0 |
| FHLB repayments | -$20.0M | $0 |
| Cash dividends paid in lieu of fractional shares | -$8.0K | -$7.0K |
| Common stock issued | $93.0K | $102.0K |
| Repurchases of common stock | -$4.7M | -$3.8M |
| Net cash (used in) provided by financing activities | -$25.6M | $4.0M |
| Net increase (decrease) in cash and cash equivalents | $26.1M | -$29.8M |
No quarter-by-quarter statement was filed.
Compare FIRST NORTHERN COMMUNITY BANCORP with another company
Corporate structure
FIRST NORTHERN COMMUNITY BANCORP sits at the top of its group. 2 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of FIRST NORTHERN COMMUNITY BANCORP
- Fourthstone LLC Filed SCHEDULE 13G/A on FIRST NORTHERN COMMUNITY BANCORP, latest Aug 14, 2026 (3 filings since Feb 14, 2024)
- M3 PARTNERS LP Filed SCHEDULE 13G/A on FIRST NORTHERN COMMUNITY BANCORP, latest Aug 11, 2026 (5 filings since Feb 14, 2022)
- BlackRock Filed SCHEDULE 13G on FIRST NORTHERN COMMUNITY BANCORP, latest Jul 28, 2026
- BANC FUNDS CO LLC Filed SCHEDULE 13G/A on FIRST NORTHERN COMMUNITY BANCORP, latest Feb 17, 2026 (3 filings since Feb 8, 2022)
- FIRST NORTHERN COMMUNITY BANCORP Dixon, California, United States
- First Northern Bank of Dixon Subsidiary · California, United States
Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What FIRST NORTHERN COMMUNITY BANCORP reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Property and equipment, before depreciation | $29.9M6 Dec 31, 2025 | $29.5M6 Dec 31, 2024 | +1.6% |
| Accumulated depreciation | $21.2M6 Dec 31, 2025 | $20.2M6 Dec 31, 2024 | +4.9% |
| Property and equipment, net | $8.7M6 Dec 31, 2025 | $9.2M6 Dec 31, 2024 | −5.8% |
| Operating-lease assets (leased space) | $5.4M6 Dec 31, 2025 | $3.2M6 Dec 31, 2024 | +70.9% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Cash and cash equivalents | $145.6M6 Dec 31, 2025 | $119.4M6 Dec 31, 2024 | +21.9% |
| Debt securities available for sale | $633.9M11 Dec 31, 2024 | $572.4M11 Dec 31, 2023 | +10.7% |
| Loans, net of allowance | $1.1B6 Dec 31, 2025 | $1.0B6 Dec 31, 2024 | +0.3% |
| Deposits held (banks) | $1.7B6 Dec 31, 2025 | $1.7B6 Dec 31, 2024 | −1.2% |
Intangibles and goodwill
| Item | Latest | A year before | Change |
|---|---|---|---|
| Goodwill | $011 Dec 31, 2024 | $010 Dec 31, 2023 | |
| Finite-lived intangibles, net | $4.3M6 Dec 31, 2025 | $3.3M6 Dec 31, 2024 | +30.4% |
Properties, in its own words
As of December 31, 2025, the Company and the Bank are engaged in the banking business through 15 offices in five counties in Northern California operating out of three offices in Solano County, five in Yolo County, two in Sacramento County, two in Placer County, two in Glenn County and one in Colusa County. In addition, the Company owns three vacant lots, two in northern Solano County and one in eastern Sacramento County. The lot in eastern Sacramento is listed for sale and is classified as other real estate owned as of December 31, 2025.
As of December 31, 2025, the Bank owns six branch office locations and two administrative facilities and leases 10 facilities. Most of the leases contain multiple renewal options and provisions for rental increases, principally for changes in the cost of living index, property taxes and maintenance.
The rest of Item 2
See Item 1 “Business - General” in this report for more information regarding our properties.
Item 2 of the 10-K filed Mar 13, 2026.5
Leadership
Who has led FIRST NORTHERN COMMUNITY BANCORP, and when. Pick a name to see everywhere that person has worked.
Chief financial officer
Chief operating officer
- Chief executive officerJeremiah Zachary Smith Feb 13, 2023 to now14
- Chief executive officerLouise A. Walker Mar 21, 2011 to Dec 27, 202215
- Chief executive officerOwen J. Onsum Jan 26, 2006 to Dec 17, 201016
- PresidentJeremiah Zachary Smith Feb 13, 2023 to now14
- PresidentLouise A. Walker Mar 21, 2011 to Dec 27, 202215
- PresidentOwen J. Onsum Jan 26, 2006 to Dec 17, 201016
- Chief financial officerKevin Spink Feb 7, 2018 to now17
- Chief financial officerJeremiah Zachary Smith Jan 14, 2011 to Feb 15, 201818
- Chief financial officerLouise A. Walker Jan 25, 2006 to May 22, 201319
- Chief operating officerJeremiah Zachary Smith Feb 19, 2015 to Dec 27, 202220
Board members and other officers (29)
- EVP/Chief Information OfficerDuane Swizer Feb 28, 2025 to now21
- EVP/Chief Cmrcl Banking OficerCharles Cochran Mar 13, 2025 to now22
- EVP/Chief Credit OfficerBrett Hamilton Apr 5, 2024 to now23
- EVP/Chief Information OfficerDenise Burris Jan 23, 2019 to Feb 16, 202424
- EVP/Chief Credit OfficerT. Joe Danelson Jan 7, 2015 to Feb 16, 202425
- EVP/Chief Info OfficerBruce A. Orris Jan 19, 2011 to Aug 13, 201826
- EVP/Senior Loan OfficerJeffrey A. Adamski Jan 19, 2011 to now27
- EVP/CorpCommuni,Sales & MktgKimberly A. Debra Jan 19, 2011 to Aug 9, 202328
- EVP/Commercial, Retail & TrustRobert M. Walker Jan 25, 2006 to Aug 3, 201629
- EVP/Chief Credit OfficerDonald J. Fish Jan 30, 2006 to Jan 30, 200630
- EVP/Chief Credit OfficerPatrick S. Day Jun 21, 2006 to Mar 27, 201531
- Board memberJean-Luc Servat Feb 12, 2026 to now32
- Board memberRichard Bedoya Aug 5, 2025 to now33
- Board memberJeremiah Zachary Smith Feb 13, 2023 to now14
- Board memberSean P. Quinn Feb 13, 2017 to Aug 10, 202134
- Board memberMark C. Schulze Mar 7, 2017 to now35
- Board memberBarbara A. Hayes Feb 19, 2016 to now36
- Board memberRichard M. Martinez Mar 4, 2011 to now37
- Board memberLouise A. Walker Mar 21, 2011 to now15
- Board memberAndrew S. Wallace Feb 12, 2007 to Feb 20, 200838
- Board memberOwen J. Onsum Jan 26, 2006 to Jun 16, 201516
- Board memberJohn F. Hamel Mar 1, 2006 to Jan 27, 201239
- Board memberDavid W. Schulze Apr 4, 2006 to Mar 27, 201540
- Board memberDiane P. Hamlyn Apr 4, 2006 to Mar 24, 201541
- Board memberFoy S. McNaughton Apr 4, 2006 to Aug 15, 201942
- Board memberFrank J. Andrews Jr. Apr 4, 2006 to Mar 12, 200943
- Board memberGreg Dupratt Apr 4, 2006 to Dec 8, 202344
- Board memberJohn Carbahal Apr 4, 2006 to Nov 14, 201845
- Board memberLori J. Aldrete Apr 4, 2006 to May 9, 201746
Subsidiaries and ownership
Subsidiaries (Exhibit 21)
- First Northern Bank of Dixon California4
The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.
Timeline
- Jul 30, 20268-K Results of operations; Regulation FD disclosure47
- May 26, 20268-K Shareholder vote48
- Apr 30, 20268-K Results of operations; Regulation FD disclosure49
- Apr 22, 20268-K Other events50
- Mar 31, 20268-K Regulation FD disclosure; Other events51
- Mar 24, 20268-K Other events52
- Jan 30, 20268-K Results of operations; Regulation FD disclosure; Other events53
- Jan 27, 20268-K Bylaws or fiscal year changed54
- Jan 27, 20268-K Executive or director change55
- Jan 12, 20268-K Executive or director change56
- Oct 30, 20258-K Results of operations; Regulation FD disclosure57
- Sep 23, 20258-K Bylaws or fiscal year changed58
- Feb 13, 2023New chief executive Jeremiah Zachary Smith becomes CEO14
- Mar 21, 2011New chief executive Louise A. Walker becomes CEO15
- Jan 26, 2006New chief executive Owen J. Onsum becomes CEO16
- Feb 8, 2000Founded FIRST NORTHERN COMMUNITY BANCORP is founded2
Calendar
Coming up
- Nov 4, 2026Reports results for the quarter ending Sep/202659
When it reported results
- Jul 30, 2026Reported quarterly or annual results47
- Apr 30, 2026Reported quarterly or annual results49
- Jan 30, 2026Reported quarterly or annual results53
- Oct 30, 2025Reported quarterly or annual results57
- Jul 30, 2025Reported quarterly or annual results60
- Apr 30, 2025Reported quarterly or annual results61
- Jan 30, 2025Reported quarterly or annual results62
- Oct 30, 2024Reported quarterly or annual results63
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
205 filings to the SEC since October 2021: 6 annual reports, 15 quarterly reports, 44 major events, 111 insider forms, 12 large holders, 17 other. The latest 20:
- Aug 18, 2026144 EDGAR
- Aug 14, 2026SCHEDULE 13G/A EDGAR
- Aug 14, 20264 EDGAR
- Aug 12, 20264 EDGAR
- Aug 12, 20264 EDGAR
- Aug 11, 20264 EDGAR
- Aug 11, 2026SCHEDULE 13G/A EDGAR
- Aug 7, 202610-Q EDGAR
- Aug 7, 20264 EDGAR
- Aug 6, 20264 EDGAR
- Aug 4, 2026144 EDGAR
- Jul 30, 20268-K EDGAR
- Jul 28, 2026SCHEDULE 13G EDGAR
- May 26, 20268-K FIRST NORTHERN COMMUNITY BANCORP FORM 8-K DATED MAY 19, 2026 EDGAR
- May 18, 20264 JEREMIAH SMITH FORM 4 DATED MAY 15, 2026 EDGAR
- May 14, 2026144 EDGAR
- May 14, 20264 JEREMIAH SMITH FORM 4 DATED MAY 13, 2026 EDGAR
- May 14, 20264 MARK SCHULZE FORM 4 DATED MAY 12, 2026 EDGAR
- May 12, 2026144 EDGAR
- May 11, 20264 MARK SCHULZE FORM 4 DATED MAY 8, 2026 EDGAR
The 205 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
50 open-market trades by officers, directors and large owners since October 2021: 27 buys and 23 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Aug 13, 2026 | Martinez Richard MDirector | Sale | 2,000 | $17.51 | $35.0K | Form 4 |
| Aug 12, 2026 | Servat Jean-LucDirector | Buy | 1,000 | $17.29 | $17.3K | Form 4 |
| Aug 11, 2026 | Schulze Mark CDirector | Sale | 1,118 | $17.40 | $19.5K | Form 4 |
| Aug 10, 2026 | Schulze Mark CDirector | Sale | 5,250 | $17.06 | $89.6K | Form 4 |
| Aug 6, 2026 | Schulze Mark CDirector | Sale | 400 | $18.11 | $7.2K | Form 4 |
| Aug 6, 2026 | Servat Jean-LucDirector | Buy | 500 | $18.12 | $9.1K | Form 4 |
| Aug 5, 2026 | Servat Jean-LucDirector | Buy | 500 | $18.32 | $9.2K | Form 4 |
| Aug 5, 2026 | Schulze Mark CDirector | Sale | 232 | $18.30 | $4.2K | Form 4 |
| Aug 4, 2026 | Schulze Mark CDirector | Sale | 3,000 | $18.40 | $55.2K | Form 4 |
| May 15, 2026 | Smith Jeremiah ZacharyPresident/CEO/Director | Sale | 6,783 | $17.69 | $120.0K | Form 4 |
| May 12, 2026 | Schulze Mark CDirector | Sale | 2,000 | $17.79 | $35.6K | Form 4 |
| May 8, 2026 | Schulze Mark CDirector | Sale | 3,000 | $17.78 | $53.3K | Form 4 |
| May 4, 2026 | Spink KevinEVP/Chief Financial Officer | Sale | 8,271 | $17.04 | $140.9K | Form 4 |
| Feb 19, 2026 | Servat Jean-LucDirector | Buy | 563 | $14.52 | $8.2K | Form 4 |
| Feb 18, 2026 | Hayes Barbara ADirector | Buy | 171 | $14.70 | $2.5K | Form 4 |
| Feb 18, 2026 | Servat Jean-LucDirector | Buy | 900 | $14.62 | $13.2K | Form 4 |
| Feb 12, 2026 | Servat Jean-LucDirector | Buy | 400 | $14.60 | $5.8K | Form 4 |
| Feb 11, 2026 | Servat Jean-LucDirector | Buy | 1,600 | $14.46 | $23.1K | Form 4 |
| Feb 11, 2026 | Bedoya RichardDirector | Buy | 893 | $14.49 | $12.9K | Form 4 |
| Aug 7, 2025 | Bedoya RichardDirector | Buy | 2,014 | $11.19 | $22.5K | Form 4 |
All 50 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- Fourthstone LLCSCHEDULE 13G/A, 3 filings Feb 14, 2024 to Aug 14, 202664
- M3 PARTNERS LPSCHEDULE 13G/A, 5 filings Feb 14, 2022 to Aug 11, 202665
- BlackRockSCHEDULE 13G, 1 filing Jul 28, 202666
- BANC FUNDS CO LLCSCHEDULE 13G/A, 3 filings Feb 8, 2022 to Feb 17, 202667
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
| Year | Executive | Age | Salary | Total pay |
|---|---|---|---|---|
| 2025 | Jeremiah Z. SmithPresident, Chief Executive Officer and Director of the Bank and Company | 50 | $500.2K | $931.9K68 |
| 2025 | Kevin SpinkExecutive Vice President, Chief Financial Officer of the Bank and Company | 47 | $313.8K | $530.7K68 |
| 2025 | Brett HamiltonExecutive Vice President, Chief Credit Officer of the Bank and Company | $295.5K | $490.0K68 | |
| 2024 | Jeremiah Z. SmithPresident, Chief Executive Officer and Director of the Bank and Company | 50 | $475.0K | $831.3K68 |
| 2024 | Kevin SpinkExecutive Vice President, Chief Financial Officer of the Bank and Company | 47 | $301.8K | $474.5K68 |
| 2024 | Brett HamiltonExecutive Vice President, Chief Credit Officer of the Bank and Company | $215.2K | $406.9K68 |
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 56. Change is in shares since the quarter before.
13F reports cover disclosed long positions in U.S. stocks only.
SEC filer profile
How FIRST NORTHERN COMMUNITY BANCORP is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARFIRST NORTHERN COMMUNITY BANCORP1
- CIK0001114927
- Employer ID (EIN)68-04503975
- Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company5
- Incorporated inCalifornia5
- Fiscal year endsDecember 311
- Industry code (SIC)6035 Savings Institution, Federally Chartered1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business address195 N First Street, Dixon, CA 956201
- Phone70767830411
- Shares outstanding16,395,303 as of Aug 5, 202613
- Public float$139.1M as of Jun 30, 20255
- AuditorBAKER TILLY US, LLP, Sacramento, California PCAOB ID 659; no auditor attestation of internal control over financial reporting5
- On EDGAR sinceMay 24, 20001
- Filings1,337 in all: 4 (859), 8-K (177), 10-Q (79), 4/A (75), DEF 14A (28), 10-K (25), 3 (20), SC 13G/A (9)1
All 27 form types
UPLOAD (9), 8-K/A (7), 144 (6), 5 (5), CORRESP (5), S-8 (5), 10-K/A (4), DEFA14A (4), PRE 14A (4), SC 13G (4), SCHEDULE 13G/A (4), 10-K405 (1), 8-A12B (1), 8-K12G3 (1), CERT (1), DEFR14A (1), S-8 POS (1), SC 13D (1), SCHEDULE 13G (1)
- Latest filingsAnnual report (10-K) Mar 13, 2026
Quarterly report (10-Q) Aug 7, 2026
Proxy statement (DEF 14A) Apr 9, 2026
Latest 8-K (8-K) Jul 30, 2026
Risk factors and legal proceedings
The risks FIRST NORTHERN COMMUNITY BANCORP names in Item 1A of its 10-K filed Mar 13, 2026: 27 risks under these headings, as written.5
- Changes in U.S. and Foreign Government Policies, Including the Imposition of or Further Increases in Tariffs and Changes to Existing Trade Agreements, Could Have a Material Adverse Effect on the Bank’s Customers, Which, in Turn, Could Adversely Affect Our Business, Financial Condition and Results of Operations
- Negative Developments in the Banking Industry, and any Legislative and/or Bank Regulatory Actions that may Result, Could Adversely Affect our Business Operations, Results of Operations and Financial Condition.
- Economic Conditions in the U.S. May Soften or Become Recessionary with Resultant Adverse Consequences for the U.S. Financial Services Industry and for the Bank
- The Bank is Subject to Lending Risks of Loss and Repayment Associated with Commercial Banking Activities
- Increases in the Allowance for Credit Losses Would Adversely Affect the Bank’s Financial Condition and Results of Operations
- The Bank’s Dependence on Real Estate Lending Increases Our Risk of Losses
- Adverse Economic Factors Affecting Certain Industries the Bank Serves Could Adversely Affect Our Business
- Several of California’s Largest Home Insurance Providers Have Recently Paused or Severely Limited Their Issuance of New Policies, or Their Renewal of Existing Policies, in the State, Which Could Increase the Bank’s Risk of Loss in its Loan Portfolio
- The Effects of Changes or Increases in, or Supervisory Enforcement of, Banking or Other Laws and Regulations or Governmental Fiscal or Monetary Policies Could Adversely Affect Us
- The Bank is Subject to Interest Rate Risk
- Beginning in 2021, the U.S. Economy Began to Reflect Relatively Rapid Rates of Increase in the Consumer Price Index and Other Economic Indices; a Prolonged Elevated Rate of Inflation Could Present Risks for the U.S. Banking Industry and Our Business.
- Our Ability to Pay Dividends is Subject to Legal Restrictions
The other 16 risks
- Competition Adversely Affects our Profitability
- Government Regulation and Legislation Could Adversely Affect the Company
- Our Controls and Procedures May Fail or be Circumvented Which Could Have a Material Adverse Effect on the Company's Financial Condition or Results of Operations
- Changes in Deposit Insurance Premiums Could Adversely Affect Our Business
- Negative Public Opinion Could Damage Our Reputation and Adversely Affect Our Earnings
- We May Not Be Able to Hire or Retain Additional Qualified Personnel and Recruiting and Compensation Costs May Increase as a Result of Turnover, Both of Which May Increase Costs and Reduce Profitability and May Adversely Impact Our Ability to Implement Our Business Strategy
- We May Be Adversely Affected by Unpredictable Catastrophic Events or Terrorist Attacks and Our Business Continuity and Disaster Recovery Plans May Not Adequately Protect Us from Serious Disaster
- Changes in Accounting Standards Could Materially Impact Our Financial Statements
- There is a Limited Public Market for the Company’s Common Stock Which May Make It Difficult for Shareholders to Dispose of Their Shares
- Advances and Changes in Technology, and the Company’s Ability to Adapt Its Technology, May Strain Our Available Resources and Could Adversely Impact Our Ability to Compete and the Company’s Business and Operations
- Information Security Breaches or Other Technological Difficulties Could Adversely Affect the Company
- Environmental Hazards Could Have a Material Adverse Effect on the Company’s Business, Financial Condition, and Results of Operations
- The Company May Not Be Successful in Raising Additional Capital Needed in the Future
- In the Future, the Company May Be Required to Recognize an Allowance for Credit Losses With Respect to Investment Securities, Which May Adversely Affect our Results of Operations
- Changes in the U.S. Tax Laws Have Impacted, and May Impact, Our Business and Results of Operations in a Variety of Ways, Some of Which Are Positive, and Others Which May Be Negative
- Our Operations, Businesses and Customers Could be Materially Adversely Affected by the Physical Effects of Climate Change, as well as Governmental and Societal Responses to Climate Change
Legal proceedings
Neither the Company nor the Bank is a party to any material pending legal proceeding, nor is any of its property the subject of any material pending legal proceeding, except ordinary routine litigation arising in the ordinary course of the Bank’s business and incidental to its business, none of which is expected to have a material adverse impact upon the Company’s or the Bank’s business, financial position or results of operations.
The opening of Item 3, Legal Proceedings.5
Sources
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- 17SEC EDGARKevin Spink, Chief financial officer
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- 32SEC EDGARJean-Luc Servat, Board member
- 33SEC EDGARRichard Bedoya, Board member
- 34SEC EDGARSean P. Quinn, Board member
- 35SEC EDGARMark C. Schulze, Board member
- 36SEC EDGARBarbara A. Hayes, Board member
- 37SEC EDGARRichard M. Martinez, Board member
- 38SEC EDGARAndrew S. Wallace, Board member
- 39SEC EDGARJohn F. Hamel, Board member
- 40SEC EDGARDavid W. Schulze, Board member
- 41SEC EDGARDiane P. Hamlyn, Board member
- 42SEC EDGARFoy S. McNaughton, Board member
- 43SEC EDGARFrank J. Andrews Jr., Board member
- 44SEC EDGARGreg Dupratt, Board member
- 45SEC EDGARJohn Carbahal, Board member
- 46SEC EDGARLori J. Aldrete, Board member
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- 48SEC EDGARShareholder vote
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- 50SEC EDGAROther events
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- 54SEC EDGARBylaws or fiscal year changed
- 55SEC EDGARExecutive or director change
- 56SEC EDGARExecutive or director change
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- 58SEC EDGARBylaws or fiscal year changed
- 59NasdaqNasdaq calendar
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