---
schema_version: "secwatch.filing_event.v1"
accession: "0001114927-25-000038"
form_type: "8-K"
ticker: "FNRN"
cik: "0001114927"
company_name: "FIRST NORTHERN COMMUNITY BANCORP"
filed_at: "2025-07-30T23:59:59+00:00"
generated_at: "2026-05-17T22:50:12.236547+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# First Northern Q2 net income $5.5M, up 23.6% YoY; net margin expands to 3.85%

## Summary
- Net income $5.5M ($0.35 diluted EPS) for Q2 2025, up 23.6% from $4.4M ($0.27) in Q2 2024.
- Net interest margin 3.85% (annualized), up 19 bps YoY; net interest income $16.95M, +6.1% YoY.
- No provision for credit losses in Q2 2025; released $2.8M specific reserve from Q1 2025.
- Repurchased 215,883 shares for $2.2M in 1H 2025; book value per share $12.32, up 4.3% from Q1.

## SEC filing metadata
- accession: 0001114927-25-000038
- form_type: 8-K
- ticker: FNRN
- cik: 0001114927
- company_name: FIRST NORTHERN COMMUNITY BANCORP
- filed_at: 2025-07-30T23:59:59+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/1114927/000111492725000038/0001114927-25-000038-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1114927/000111492725000038/form8_k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001114927-25-000038
- JSON: https://secwatch.observer/filing/0001114927-25-000038.json
- Plain text: https://secwatch.observer/filing/0001114927-25-000038.txt

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