{"schema_version":"secwatch.filing_event.v1","accession":"0001114927-25-000028","form_type":"8-K","ticker":"FNRN","cik":"0001114927","company_name":"FIRST NORTHERN COMMUNITY BANCORP","filed_at":"2025-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:47.566487+00:00","generated_at":"2026-05-23T01:57:24.540492+00:00","sec_items":["2.02","9.01","7.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"First Northern Q1 net income $3.7M, down 14% YoY; net margin up 15bp to 3.64%","bullets":["Net income $3.7M ($0.23 diluted EPS) vs $4.3M ($0.26) in Q1 2024, a 14.2% decline.","Net interest margin improved to 3.64% from 3.49% YoY; cost of funds stable at 0.86%.","Loan loss provision of $850k vs release of $300k in prior year, driven by $2.8M specific reserve.","Total assets $1.88B, loans $1.04B, deposits $1.67B; stockholders' equity up 6.5% to $187.8M.","Book value per share rose to $11.81 from $11.06 at year-end 2024; 5% stock dividend paid March 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001114927-25-000028","json":"https://secwatch.observer/filing/0001114927-25-000028.json","markdown":"https://secwatch.observer/filing/0001114927-25-000028.md","text":"https://secwatch.observer/filing/0001114927-25-000028.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1114927/000111492725000028/0001114927-25-000028-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1114927/000111492725000028/form8_k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T01:57:24.540492+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}