---
schema_version: "secwatch.filing_event.v1"
accession: "0001114927-21-000016"
form_type: "8-K"
ticker: "FNRN"
cik: "0001114927"
company_name: "FIRST NORTHERN COMMUNITY BANCORP"
filed_at: "2021-10-28T23:59:59+00:00"
generated_at: "2026-06-28T16:34:22.451924+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# First Northern Community Bancorp Q3 net income $4.5M, up 31.7% YoY; EPS $0.33 vs $0.25

## Summary
- Net income $4.5M in Q3 2021, up 31.7% from $3.4M in Q3 2020; diluted EPS $0.33 vs $0.25.
- Nine-month net income $11.0M, up 24.8% from $8.8M; diluted EPS $0.81 vs $0.65.
- Total assets $1.92B (+14.7% YoY); deposits $1.75B (+16.7% YoY); net loans $825.6M (-14.9% YoY) due to PPP loan forgiveness.
- Reversal of provision for loan losses of $1.8M in Q3 vs provision of $0.8M a year ago, reflecting improved credit quality.
- Company remains well capitalized with total risk-based capital ratio exceeding 10% threshold.

## SEC filing metadata
- accession: 0001114927-21-000016
- form_type: 8-K
- ticker: FNRN
- cik: 0001114927
- company_name: FIRST NORTHERN COMMUNITY BANCORP
- filed_at: 2021-10-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01, 7.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1114927/000111492721000016/0001114927-21-000016-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1114927/000111492721000016/form8_k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001114927-21-000016
- JSON: https://secwatch.observer/filing/0001114927-21-000016.json
- Plain text: https://secwatch.observer/filing/0001114927-21-000016.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.