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First Northern Community Bancorp (OTC: FNRN) posts Q2 2026 results and index debut

(Very High)
(Neutral)
Form Type
8-K

Rhea-AI Filing Summary

First Northern Community Bancorp reported net income of $10.6 million, or $0.64 per diluted share, for the six months ended June 30, 2026, up 16.4% from $9.1 million a year earlier. Second-quarter 2026 net income was $4.7 million, or $0.29 per diluted share, down 13.5% from $5.5 million in the prior-year quarter. Annualized ROAA was 0.98% and ROAE 8.80%. Net interest income for the quarter was $17.0 million, with a net interest margin of 3.75% and cost of funds of 0.90%.

Total assets at June 30, 2026 were $1.93 billion, up 2.9% year over year. Total net loans were $1.09 billion, up 2.7% year over year, with net loans increasing $27.9 million during the quarter, while non-accrual loans declined 7.1% to $4.6 million. Total deposits reached $1.69 billion, up 1.7%. Capital remained strong, with a total capital ratio of 19.0% and tangible common equity ratio of 11.0%; book value per share rose to $13.24 from $13.03 at March 31, 2026.

Quarterly non-interest income increased 14.7% year over year to $1.8 million, driven by a 141.3% rise in investment and brokerage services income following the Beacon Wealth acquisition. Non-interest expense rose 9.74% year over year as systems upgrade work accelerated. The company highlighted uplisting to the Nasdaq Capital Market on April 24, 2026 and addition to the Russell 3000 Index effective June 29, 2026, citing higher trading volume, improved liquidity, and greater institutional visibility.

Positive

  • None.

Negative

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Filing Explained

The filing reports June 30 cash alongside systems-upgrade costs expected through fourth-quarter implementation.

Form 8-K reports specified material events; here, the company has disclosed its unaudited second-quarter 2026 results, placing the event in the reported-results state and updating its reported financial condition.

At June 30, 2026, the filing reports cash and cash equivalents, $1.69 billion of deposits and $1.93 billion of total assets.

Management says systems-upgrade costs are expected to remain elevated through the planned fourth-quarter implementation, with anticipated capabilities, process efficiencies, and operating benefits beginning in 2027.

Those project benefits remain forward-looking: the filing says actual results may differ because of changing economic, business, market, and regulatory factors.

Item 2.02 Results of Operations and Financial Condition Financial
Disclosure of earnings results, typically an earnings press release or preliminary financials.
Item 7.01 Regulation FD Disclosure Disclosure
Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.
Item 9.01 Financial Statements and Exhibits Exhibits
Financial statements, pro forma financial information, and exhibit attachments filed with this report.
Six-month 2026 net income $10.6 million For the six months ended June 30, 2026, up 16.4% vs 2025
Q2 2026 net income $4.7 million Quarter ended June 30, 2026, down 13.5% vs Q2 2025
Q2 2026 diluted EPS $0.29 per share Quarter ended June 30, 2026; $0.33 per share in Q2 2025
Total assets $1.93 billion As of June 30, 2026, up 2.9% vs June 30, 2025
Total net loans $1.09 billion As of June 30, 2026, up 2.7% year over year
Total deposits $1.69 billion As of June 30, 2026, up 1.7% vs June 30, 2025
Net interest margin 3.75% Annualized for Q2 2026
Total capital ratio 19.0% Regulatory capital ratio as of June 30, 2026
net interest margin financial
"Our net interest margin remained strong at 3.75%"
Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.
cost of funds financial
"our cost of funds was well managed at 0.90%"
The cost of funds is the average price a company or bank pays to obtain money—through deposits, loans, bonds or other borrowings—that it uses to run the business or make investments. It matters to investors because higher borrowing costs act like a heavier mortgage payment for a household, reducing profits, cash flow and the ability to pay dividends or invest in growth, while lower costs boost competitiveness and valuation.
non-accrual loans financial
"non-accrual loans declined by 7.1% to $4.6 million"
A non-accrual loan is a loan a lender has decided is unlikely to produce the scheduled interest payments, so the lender stops counting future interest as income and may record the loan at a reduced value. Think of it like renting out a house where the tenant has stopped paying: you stop counting future rent as earnings because it’s uncertain you’ll get it. For investors, a rise in non-accrual loans signals worsening credit quality, lower reported income and higher potential losses that can weaken a bank’s capital and share price.
efficiency ratio financial
"Efficiency ratio 63.69 %"
A measure of how much a company spends to produce each dollar of revenue, usually shown as operating expenses divided by revenue and expressed as a percentage. Think of it as a household’s budget: a lower percentage means more of each dollar earned stays as profit, while a higher number means costs are eating into returns. Investors use it to judge cost control and compare how efficiently companies turn revenue into earnings, especially in banks and financial firms.
tangible common equity ratio financial
"Tangible common equity ratio 11.0 %"
Tangible common equity ratio measures how much real, loss-absorbing capital common shareholders have relative to a company's tangible assets—calculated by removing intangible items (like goodwill) and preferred equity from total equity and comparing that net amount to tangible assets. Think of it as the thickness of a safety cushion made of solid, visible value rather than accounting entries; investors use it to judge how well a company could withstand losses and protect common shareholders' claims.
provision for credit losses financial
"Provision for credit losses 600"
Provision for credit losses is an amount set aside by a financial institution to cover potential future losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution manage risks and stay financially healthy. For investors, it signals how cautious a lender is about potential loan defaults and can impact the company's profitability and financial stability.
Offering Type earnings

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FAQ

How did First Northern Community Bancorp (FNRN) perform in Q2 2026?

First Northern Community Bancorp reported Q2 2026 net income of $4.7 million, or $0.29 per diluted share, which was 13.5% lower than $5.5 million, or $0.33 per share, in Q2 2025, reflecting higher credit provisions and operating expenses.

What were First Northern Community Bancorp’s (FNRN) results for the first half of 2026?

For the six months ended June 30, 2026, the company generated net income of $10.6 million, or $0.64 per diluted share, up 16.4% from $9.1 million, or $0.55 per share, in the first half of 2025, supported by loan growth and higher non-interest income.

How strong is First Northern Community Bancorp’s (FNRN) balance sheet and capital position?

At June 30, 2026, total assets were $1.93 billion, loans $1.09 billion, and deposits $1.69 billion. The total capital ratio was 19.0% and the tangible common equity ratio 11.0%, indicating a capital level above “well capitalized” regulatory thresholds.

How did non-interest income and expenses change for First Northern Community Bancorp (FNRN)?

Q2 2026 non-interest income rose 14.7% year over year to $1.8 million, boosted by a 141.3% increase in investment and brokerage services income. Non-interest expense increased 9.74%, reflecting staffing, data processing, and consulting costs tied to a systems upgrade project.

What recent market listing milestones did First Northern Community Bancorp (FNRN) achieve?

On April 24, 2026, the company uplisted to the Nasdaq Capital Market, and effective June 29, 2026, it was added to the Russell 3000 Index. Management stated these steps increased trading volume, improved stock liquidity, and broadened institutional investor visibility.
false 0001114927 0001114927 2026-06-30 2026-06-30
 


 
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 

 
FORM 8-K
 

 
Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
 
Date of Report (Date of Earliest Event Reported):  June 30, 2026
 

 
FIRST NORTHERN COMMUNITY BANCORP
(Exact Name of Registrant as Specified in Its Charter)
 

 
000-30707
(Commission File Number)
 
California
68-0450397
(State or Other Jurisdiction of Incorporation)
(I.R.S. Employer Identification No.)
 
195 N First Street
Dixon, California 95620
(Address of principal executive offices, including zip code)
 
(707) 678-3041
(Registrant’s telephone number, including area code)
 
NOT APPLICABLE
(Former name or former address, if changed since last report)
 
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
 
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
 
Securities registered pursuant to Section 12(b) of the Act:
 
Title of each class
 
Trading
Symbol(s)
 
Name of each exchange on which registered
FNRN
 
FNRN
  NASDAQ
 
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter):
 
Emerging growth company
 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
 


 
 

 
ITEM 2.02 RESULTS OF OPERATION AND FINANCIAL CONDITION
 
On July 29, 2026, First Northern Community Bancorp issued a press release concerning financial results for the 2nd quarter of 2026, a copy of which is included as ITEM 9.01 (c) Exhibit 99.1 and incorporated herein by reference in both ITEM 2.02 and ITEM 7.01.  The Company does not intend for this exhibit to be incorporated by reference into future filings under the Securities Exchange Act of 1934.
 
ITEM 7.01 REGULATION FD DISCLOSURE
 
On July 29, 2026, First Northern Community Bancorp issued a press release concerning financial results for the 2nd quarter of 2026, a copy of which is included as ITEM 9.01 (c) Exhibit 99.1 and incorporated herein by reference in both ITEM 2.02 and ITEM 7.01 in accordance with SEC Release No. 33-8216.
 
ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS
 
(c) Exhibits
 
99.1 Press Release, dated July 29, 2026
 
EXHIBIT INDEX
 
 
Exhibit
Document
   
99.1
Earnings Press Release, dated July 29, 2026
   
104 Cover Page Interactive Data File (embedded within the Inline XBRL document)
 
 

 
SIGNATURES
 
 
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 
Date     July 29,  2026
First Northern Community Bancorp
(Registrant)
   
   
 
/s/ Jeremiah Z. Smith
 
By: Jeremiah Z. Smith
 
President/Chief Executive Officer
   
 
 

EXHIBIT 99.1

 

image01.jpg
   
logo02.jpg

 

 

First Northern Community Bancorp Reports Second Quarter 2026 Net Income of $4.7 Million

For immediate release

 

 

Dixon, Calif., July 29, 2026 — First Northern Community Bancorp (the “Company”, NASDAQ: FNRN), holding company for First Northern Bank (“First Northern” or the “Bank”), today reported net income of $10.6 million, or $0.64 per diluted share, for the six months ended June 30, 2026, up 16.4% compared to net income of $9.1 million, or $0.55 per diluted share, for the six months ended June 30, 2025.

 

Net income for the quarter ended June 30, 2026, was $4.7 million, or $0.29 per diluted share, down 13.5% compared to net income of $5.5 million, or $0.33 per diluted share, for the quarter ended June 30, 2025.

 

Total assets as of June 30, 2026, were $1.93 billion, an increase of $54.4 million, or 2.9%, compared to June 30, 2025. Total net loans, including loans held-for-sale, as of June 30, 2026, were $1.09 billion, an increase of $29.0 million, or 2.7%, compared to June 30, 2025. The increase in net loans was primarily driven by growth in commercial loans, which was partially offset by net reductions in commercial real estate, agriculture, residential mortgage and consumer loans. Total deposits as of June 30, 2026, were $1.69 billion, an increase of $28.6 million, or 1.7%, compared to June 30, 2025.

 

The Company continued to be “well capitalized” under regulatory definitions, exceeding the 10% total risk-based capital ratio threshold as of June 30, 2026.

 

Jeremiah Smith, President and Chief Executive Officer, commented, “We are pleased with our second quarter performance, highlighted by strong loan growth, continued credit quality improvements, and disciplined balance sheet management. Net loans increased by $27.9 million during the quarter, representing an annualized growth rate of 10.5%, while non-accrual loans declined by 7.1% to $4.6 million. Our net interest margin remained strong at 3.75%, and our cost of funds was well managed at 0.90%, reflecting the ongoing strength of our low-cost deposit franchise. The acquisition of Beacon Wealth in the fourth quarter of 2025 continued to improve our total non-interest income. Investment and brokerage services income for the quarter ended June 30, 2026 increased by 141.3% compared to the same quarter one year prior, contributing to a 14.7% increase in total non-interest income to $1.8 million compared to June 30, 2025.”

 

Further, “We also remain focused on managing operating expenses while investing in the future of the Bank. During the second quarter, our systems upgrade project accelerated, resulting in modest increases in staffing, data processing, and consulting expenses. We expect these elevated costs to continue through our planned fourth quarter project implementation, after which we anticipate enhanced capabilities, improved process efficiencies, and long-term operating benefits beginning in 2027.”

 

Lastly, Mr. Smith commented, “We remain committed to enhance and unlock shareholder value. On April 24, 2026, we successfully uplisted to The Nasdaq Capital Market, and, effective June 29,2026, we were added to the Russell 3000 Index. These milestones significantly increased trading volume, improved liquidity of our common stock, and expanded our visibility among institutional investors as index funds tracking the Russell 3000 acquired shares. In addition to improving our valuation, we continued to improve our book value per share, which increased from $13.03 at March 31, 2026 to $13.24 at June 30, 2026. Together, these achievements reflect the continued execution of our long-term strategy to create value for our shareholders while positioning the Company for future growth."

 

 

 

Second QUARTER HIGHLIGHTS (UNAUDITED)

 

Performance and operating highlights for the Company for the periods noted below included the following:

 

   

Three months ended

 
   

June 30,

   

March 31,

   

June 30,

 

(in thousands, except per share and share data)

 

2026

   

2026

   

2025

 

Return on average assets (“ROAA”) (annualized)

    0.98 %     1.24 %     1.18 %

Return on average equity (“ROAE”) (annualized)

    8.80 %     11.21 %     11.67 %

Pre-tax income

  $ 6,215     $ 7,612     $ 7,597  

Net income

  $ 4,728     $ 5,906     $ 5,466  

Net interest margin (annualized)

    3.75 %     3.83 %     3.85 %

Cost of funds (annualized)

    0.90 %     0.90 %     0.88 %

Efficiency ratio

    63.69 %     58.23 %     58.91 %
                         

Basic earnings per common share

  $ 0.29     $ 0.37     $ 0.33  

Diluted earnings per common share

  $ 0.29     $ 0.36     $ 0.33  

Weighted average basic common shares outstanding

    16,119,853       16,133,555       16,377,019  

Weighted average diluted common shares outstanding

    16,508,791       16,490,162       16,592,259  

Shares outstanding at end of period

    16,395,303       16,409,660       16,609,244  

Book value per share

  $ 13.24     $ 13.03     $ 11.73  
                         

Leverage ratio

    12.0 %     11.7 %     11.3 %

Common equity tier 1 capital ratio

    17.7 %     17.8 %     16.9 %

Tier 1 capital ratio

    17.7 %     17.8 %     16.9 %

Total capital ratio

    19.0 %     19.1 %     18.1 %

Tangible common equity ratio

    11.0 %     10.9 %     10.2 %
                         

Reconciliation of Non-GAAP Financial Measures

                       

Total shareholders' equity

  $ 217,154     $ 213,799     $ 194,885  

Less mortgage servicing rights

    (1,101 )     (1,126 )     (1,242 )

Less intangible assets

    (3,834 )     (4,079 )     (2,952 )

Total tangible common stockholders' equity

  $ 212,219     $ 208,594     $ 190,691  

Total assets

  $ 1,926,412     $ 1,924,548     $ 1,871,990  

Less mortgage servicing rights

    (1,101 )     (1,126 )     (1,242 )

Less intangible assets

    (3,834 )     (4,079 )     (2,952 )

Total tangible assets

  $ 1,921,477     $ 1,919,343     $ 1,867,796  

Tangible common equity ratio

    11.0 %     10.9 %     10.2 %
                         

 

 

 

Summary Results (Unaudited)

 

The following is a summary of the components of the Company’s operating results for the periods indicated:

 

   

Three months ended

                 
   

June 30,

   

March 31,

                 

(in thousands)

 

2026

   

2026

   

$ Change

   

% Change

 

Selected operating data:

                               

Net interest income

  $ 17,006     $ 17,204     $ (198 )     (1.15 )%

Provision for credit losses

    600       300       300       100.00 %

Non-interest income

    1,763       1,740       23       1.32 %

Non-interest expense

    11,954       11,032       922       8.36 %

Pre-tax income

    6,215       7,612       (1,397 )     (18.35 )%

Provision for income taxes

    1,487       1,706       (219 )     (12.84 )%

Net income

  $ 4,728     $ 5,906     $ (1,178 )     (19.95 )%

 

   

Three months ended

                 
   

June 30,

   

June 30,

                 

(in thousands)

 

2026

   

2025

   

$ Change

   

% Change

 

Selected operating data:

                               

Net interest income

  $ 17,006     $ 16,953     $ 53       0.31 %

Provision for credit losses

    600             600       NM  

Non-interest income

    1,763       1,537       226       14.70 %

Non-interest expense

    11,954       10,893       1,061       9.74 %

Pre-tax income

    6,215       7,597       (1,382 )     (18.19 )%

Provision for income taxes

    1,487       2,131       (644 )     (30.22 )%

Net income

  $ 4,728     $ 5,466     $ (738 )     (13.50 )%

 

Balance Sheet Summary (Unaudited)

 

   

June 30,

   

December 31,

                 

(in thousands)

 

2026

   

2025

   

$ Change

   

% Change

 

Selected financial condition data:

                               

Cash and cash equivalents

  $ 113,435     $ 145,554     $ (32,119 )     (22.07 )%

Total investments

    618,931       617,243       1,688       0.27 %

Total loans, net

    1,092,098       1,050,473       41,625       3.96 %

Total assets

    1,926,412       1,910,950       15,462       0.81 %

Total deposits

    1,691,887       1,679,143       12,744       0.76 %

Total liabilities

    1,709,258       1,698,932       10,326       0.61 %

Total shareholders’ equity

    217,154       212,018       5,136       2.42 %

 

 

 

Net Interest Income and Net Interest Margin (Unaudited)

 

The following table shows the components of net interest income and net interest margin for the quarterly periods indicated:

 

   

Three months ended

 
      June 30, 2026       March 31, 2026       June 30, 2025  

(in thousands)

 

Average Balance

   

Interest Income/ Expense

   

Yields Earned/ Rates Paid (1)

   

Average Balance

   

Interest Income/ Expense

   

Yields Earned/ Rates Paid (1)

   

Average Balance

   

Interest Income/ Expense

   

Yields Earned/ Rates Paid (1)

 

Assets

                                                                       

Interest-earning assets:

                                                                       

Loans

  $ 1,070,933     $ 14,549       5.45 %   $ 1,044,166     $ 14,322       5.56 %   $ 1,044,581     $ 14,629       5.62 %

Certificates of deposit

    10,699       107       4.01 %     10,558       106       4.07 %     15,112       157       4.17 %

Interest-bearing due from banks

    102,368       1,034       4.05 %     125,045       1,098       3.56 %     85,828       1,010       4.72 %

Investment securities, taxable

    569,985       4,529       3.19 %     573,637       4,434       3.13 %     560,021       4,137       2.96 %

Investment securities, non-taxable

    54,549       438       3.22 %     57,685       447       3.14 %     49,497       391       3.17 %

Other interest-earning assets

    10,870       149       5.50 %     10,870       555       20.71 %     10,808       250       9.28 %

Total average interest-earning assets

    1,819,404       20,806       4.59 %     1,821,961       20,962       4.67 %     1,765,847       20,574       4.67 %

Non-interest-earning assets:

                                                                       

Cash and due from banks

    30,581                       29,481                       30,777                  

Premises & equipment, net

    8,969                       8,693                       7,866                  

Interest receivable and other assets

    67,325                       65,134                       53,556                  

Total average assets

  $ 1,926,279                     $ 1,925,269                     $ 1,858,046                  
                                                                         

Liabilities and Stockholders’ Equity

                                                                       

Interest-bearing liabilities:

                                                                       

Interest-bearing transaction deposits

  $ 451,794       810       0.72 %   $ 444,368       766       0.70 %   $ 428,553       693       0.65 %

Savings and MMDA’s

    477,236       1,857       1.56 %     475,494       1,809       1.54 %     447,276       1,602       1.44 %

Time, $250,000 and under

    84,760       677       3.20 %     85,614       723       3.42 %     88,024       889       4.05 %

Time, over $250,000

    53,683       456       3.41 %     55,793       460       3.34 %     51,942       362       2.80 %

FHLB advances

                                        6,593       75       4.56 %

Total average interest-bearing liabilities

    1,067,473       3,800       1.43 %     1,061,269       3,758       1.44 %     1,022,388       3,621       1.42 %

Non-interest-bearing liabilities:

                                                                       

Non-interest-bearing demand deposits

    626,901                       632,800                       634,352                  

Interest payable and other liabilities

    16,485                       17,462                       13,505                  

Total average liabilities

    1,710,859                       1,711,531                       1,670,245                  

Total average stockholders’ equity

    215,420                       213,738                       187,801                  

Total average liabilities and stockholders’ equity

  $ 1,926,279                     $ 1,925,269                     $ 1,858,046                  

Net interest income and net interest margin

          $ 17,006       3.75 %           $ 17,204       3.83 %           $ 16,953       3.85 %

 

(1)

For disclosure purposes, yield/rates are annualized by dividing the number of days in the reported period by 365.

 

 

 

About First Northern Bank

 

First Northern Bank is an independent community bank that specializes in relationship banking. The Bank, headquartered in Solano County since 1910, serves Solano, Yolo, Sacramento, Placer, Colusa, and Glenn counties, as well as the west slope of El Dorado County. Experts are available in small business, commercial, real estate, and agribusiness lending, as well as mortgage loans. The Bank is an SBA Preferred Lender. Real estate mortgage and small-business loan officers are available by appointment at any of the Bank’s 14 branches, including Dixon, Davis, West Sacramento, Fairfield, Vacaville, Winters, Woodland, Sacramento, Roseville, Auburn, Rancho Cordova, Colusa, Willows, and Orland. Non-FDIC insured Investment and Brokerage Services are also available at every branch location. First Northern Bank is rated as a Veribanc “Green-3 Star Blue Ribbon” Bank and a “5-Star Superior” Bank by Bauer Financial for the earnings period ended September 30, 2025 (www.veribanc.com) and (www.bauerfinancial.com). For additional information, please visit thatsmybank.com or call (707) 678-7742. Member FDIC. Equal Housing Lender.

 

Forward-Looking Statements

 

This press release and other public statements may include certain forward-looking statements about First Northern Community Bancorp and its subsidiaries (the Company). These forward-looking statements are based on managements current expectations, including but not limited to statements about the Companys performance and the strength of its low-cost deposit franchise, focus on managing operating expenses and improving shareholder value and positioning the Company for future growth, and the expected costs and potential benefits of the Company's systems upgrade project, and are subject to certain risks, uncertainties and changes in circumstances. Actual results may differ materially from these expectations due to changes in global political, economic, trade, business, competitive, market and regulatory factors. More detailed information about these risk factors is contained in the Companys reports filed with the Securities and Exchange Commission on Forms 10-K and 10-Q, each as it may be amended from time to time, which identify important risk factors that could cause actual results to differ materially from those contained in the forward-looking statements. Any anticipated benefits of the uplisting of the Companys common stock to The Nasdaq Capital Market are subject to market conditions and other factors outside of the Companys control, and no assurance can be given as to the effect that the uplisting may have on the trading volume of our stock or on the liquidity of an investment in our stock.  The financial information contained in this release should be read in conjunction with the consolidated financial statements and notes thereto included in the Companys most recent reports on Form 10-K and Form 10-Q, and any reports on Form 8-K. Readers are cautioned not to place undue reliance on forwardlooking statements, which speak only as of the date made. The Company undertakes no obligation to update any forward-looking statements to reflect events or circumstances arising after the date on which they are made, except as may be required by applicable law. For further information regarding the Company, please read the Companys reports filed with the SEC and available at www.sec.gov.

 

 

 

Contact:

Jeremiah Z. Smith

President & Chief Executive Officer

First Northern Community Bancorp

& First Northern Bank

P.O. Box 547

Dixon, California (707) 678-3041

 

 

Filing Exhibits & Attachments

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