FNRN on Nasdaq

FIRST NORTHERN COMMUNITY BANCORP

FIRST NORTHERN COMMUNITY BANCORP is an American savings institution company based in Dixon, incorporated in California.2 Its shares trade on Nasdaq under the symbol FNRN.2

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Last updated Oct 21, 2026.

Overview

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  • 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

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.

  1. Debit Card$2.7M662%down 2% from 2024
  2. Deposit Account$1.7M638%down 2% from 2024
Products and services by year
Products and services20242025
Debit Card$2.8M$2.7M
Deposit Account$1.7M$1.7M

Financial statements

Net income78910116$21.1M in 2025+44% since 2019
0$10.0M$20.0M$30.0M2019: $14.7M$14.7M20192020: $12.2M$12.2M2020−17%2021: $14.2M$14.2M2021+17%2022: $15.9M$15.9M2022+12%2023: $21.6M$21.6M2023+36%2024: $20.0M$20.0M2024−7%2025: $21.1M$21.1M2025+5%

Every line of the income statement as filed: the last 2 fiscal years, latest first.6

Period ending2025-12-312024-12-31
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

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

ItemLatestA year beforeChange
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

ItemLatestA year beforeChange
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

ItemLatestA year beforeChange
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.

Board members and other officers (29)

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

  1. Jul 30, 20268-K Results of operations; Regulation FD disclosure47
  2. May 26, 20268-K Shareholder vote48
  3. Apr 30, 20268-K Results of operations; Regulation FD disclosure49
  4. Apr 22, 20268-K Other events50
  5. Mar 31, 20268-K Regulation FD disclosure; Other events51
  6. Mar 24, 20268-K Other events52
  7. Jan 30, 20268-K Results of operations; Regulation FD disclosure; Other events53
  8. Jan 27, 20268-K Bylaws or fiscal year changed54
  9. Jan 27, 20268-K Executive or director change55
  10. Jan 12, 20268-K Executive or director change56
  11. Oct 30, 20258-K Results of operations; Regulation FD disclosure57
  12. Sep 23, 20258-K Bylaws or fiscal year changed58
  13. Feb 13, 2023New chief executive Jeremiah Zachary Smith becomes CEO14
  14. Mar 21, 2011New chief executive Louise A. Walker becomes CEO15
  15. Jan 26, 2006New chief executive Owen J. Onsum becomes CEO16
  16. Feb 8, 2000Founded FIRST NORTHERN COMMUNITY BANCORP is founded2

Calendar

Coming up

  1. Nov 4, 2026Reports results for the quarter ending Sep/202659

When it reported results

  1. Jul 30, 2026Reported quarterly or annual results47
  2. Apr 30, 2026Reported quarterly or annual results49
  3. Jan 30, 2026Reported quarterly or annual results53
  4. Oct 30, 2025Reported quarterly or annual results57
  5. Jul 30, 2025Reported quarterly or annual results60
  6. Apr 30, 2025Reported quarterly or annual results61
  7. Jan 30, 2025Reported quarterly or annual results62
  8. 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:

  1. Aug 18, 2026144 EDGAR
  2. Aug 14, 2026SCHEDULE 13G/A EDGAR
  3. Aug 14, 20264 EDGAR
  4. Aug 12, 20264 EDGAR
  5. Aug 12, 20264 EDGAR
  6. Aug 11, 20264 EDGAR
  7. Aug 11, 2026SCHEDULE 13G/A EDGAR
  8. Aug 7, 202610-Q EDGAR
  9. Aug 7, 20264 EDGAR
  10. Aug 6, 20264 EDGAR
  11. Aug 4, 2026144 EDGAR
  12. Jul 30, 20268-K EDGAR
  13. Jul 28, 2026SCHEDULE 13G EDGAR
  14. May 26, 20268-K FIRST NORTHERN COMMUNITY BANCORP FORM 8-K DATED MAY 19, 2026 EDGAR
  15. May 18, 20264 JEREMIAH SMITH FORM 4 DATED MAY 15, 2026 EDGAR
  16. May 14, 2026144 EDGAR
  17. May 14, 20264 JEREMIAH SMITH FORM 4 DATED MAY 13, 2026 EDGAR
  18. May 14, 20264 MARK SCHULZE FORM 4 DATED MAY 12, 2026 EDGAR
  19. May 12, 2026144 EDGAR
  20. 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.

DateWhoTradeSharesPriceValueFiling
Aug 13, 2026Martinez Richard MDirectorSale2,000$17.51$35.0KForm 4
Aug 12, 2026Servat Jean-LucDirectorBuy1,000$17.29$17.3KForm 4
Aug 11, 2026Schulze Mark CDirectorSale1,118$17.40$19.5KForm 4
Aug 10, 2026Schulze Mark CDirectorSale5,250$17.06$89.6KForm 4
Aug 6, 2026Schulze Mark CDirectorSale400$18.11$7.2KForm 4
Aug 6, 2026Servat Jean-LucDirectorBuy500$18.12$9.1KForm 4
Aug 5, 2026Servat Jean-LucDirectorBuy500$18.32$9.2KForm 4
Aug 5, 2026Schulze Mark CDirectorSale232$18.30$4.2KForm 4
Aug 4, 2026Schulze Mark CDirectorSale3,000$18.40$55.2KForm 4
May 15, 2026Smith Jeremiah ZacharyPresident/CEO/DirectorSale6,783$17.69$120.0KForm 4
May 12, 2026Schulze Mark CDirectorSale2,000$17.79$35.6KForm 4
May 8, 2026Schulze Mark CDirectorSale3,000$17.78$53.3KForm 4
May 4, 2026Spink KevinEVP/Chief Financial OfficerSale8,271$17.04$140.9KForm 4
Feb 19, 2026Servat Jean-LucDirectorBuy563$14.52$8.2KForm 4
Feb 18, 2026Hayes Barbara ADirectorBuy171$14.70$2.5KForm 4
Feb 18, 2026Servat Jean-LucDirectorBuy900$14.62$13.2KForm 4
Feb 12, 2026Servat Jean-LucDirectorBuy400$14.60$5.8KForm 4
Feb 11, 2026Servat Jean-LucDirectorBuy1,600$14.46$23.1KForm 4
Feb 11, 2026Bedoya RichardDirectorBuy893$14.49$12.9KForm 4
Aug 7, 2025Bedoya RichardDirectorBuy2,014$11.19$22.5KForm 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.

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.

YearExecutiveAgeSalaryTotal pay
2025Jeremiah Z. SmithPresident, Chief Executive Officer and Director of the Bank and Company50$500.2K$931.9K68
2025Kevin SpinkExecutive Vice President, Chief Financial Officer of the Bank and Company47$313.8K$530.7K68
2025Brett HamiltonExecutive Vice President, Chief Credit Officer of the Bank and Company$295.5K$490.0K68
2024Jeremiah Z. SmithPresident, Chief Executive Officer and Director of the Bank and Company50$475.0K$831.3K68
2024Kevin SpinkExecutive Vice President, Chief Financial Officer of the Bank and Company47$301.8K$474.5K68
2024Brett 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.

FundSharesValueShare of the fundChange
Fourthstone LLC1,150,060$20.6M14.7%New
BlackRock, Inc.1,051,266$18.9M0.0%New
Vanguard Capital Management LLC648,370$11.6M0.0%New
Focus Partners Advisor Solutions, LLC383,690$6.9M0.1%New
Geode Capital Management, LLC357,419$6.4M0.0%New
Alliancebernstein L.P.265,280$4.8M0.0%New
Northern Trust Corp115,087$2.1M0.0%New
Vanguard Fiduciary Trust Co101,735$1.8M0.0%New
Vanguard Portfolio Management LLC101,243$1.8M0.0%New
UBS Group AG73,152$1.3M0.0%New
Carbahal Olsen Financial Services Group, LLC68,288$1.2M0.9%New
Northwestern Mutual Wealth Management Co67,180$1.2M0.0%New
Charles Schwab Investment Management Inc52,368$939.5K0.0%New
Graham Capital Wealth Management, LLC44,459$797.6K0.6%New
Schonfeld Strategic Advisors LLC43,315$777.1K0.0%New
Bank of New York Mellon Corp36,447$653.9K0.0%New
Cetera Investment Advisers35,836$642.9K0.0%New
Osaic Holdings, Inc.35,080$629.3K0.0%New
Martingale Asset Management L P30,115$540.3K0.0%New
LPL Financial LLC22,674$406.8K0.0%New
Goldman Sachs Group Inc21,465$385.1K0.0%New
PL Capital Advisors, LLC20,325$364.6K0.1%−18,000
Nuveen, LLC19,764$354.6K0.0%New
Squarepoint Ops LLC16,722$300.0K0.0%New
HoldCo Asset Management, LP15,762$282.8K0.0%New

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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