FNRN on Nasdaq

FIRST NORTHERN COMMUNITY BANCORP

American savings institution company based in Dixon, incorporated in California. Summary from the record

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Last updated Oct 19, 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

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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…4 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$2.7M562%down 2% from 2024
  2. Deposit Account$1.7M538%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 income6789105$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.5

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

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Leadership

Who has led FIRST NORTHERN COMMUNITY BANCORP, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Owen J. Onsum2006–2010
  2. Louise A. Walker2011–2022
  3. Jeremiah Zachary Smith2023–now

President

  1. Owen J. Onsum2006–2010
  2. Louise A. Walker2011–2022
  3. Jeremiah Zachary Smith2023–now

Chief financial officer

  1. Louise A. Walker2006–2013
  2. Jeremiah Zachary Smith2011–2018
  3. Kevin Spink2018–now

Chief operating officer

  1. Jeremiah Zachary Smith2015–2022
2010201520202025
Board members and other officers (29)

Timeline

  1. Feb 13, 2023New chief executive Jeremiah Zachary Smith becomes CEO13
  2. Mar 21, 2011New chief executive Louise A. Walker becomes CEO14
  3. Jan 26, 2006New chief executive Owen J. Onsum becomes CEO15
  4. Feb 8, 2000Founded FIRST NORTHERN COMMUNITY BANCORP is founded2

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.

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.

Sources

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