---
schema_version: "secwatch.filing_event.v1"
accession: "0001140361-24-034756"
form_type: "8-K"
ticker: "FNRN"
cik: "0001114927"
company_name: "FIRST NORTHERN COMMUNITY BANCORP"
filed_at: "2024-07-30T23:59:59+00:00"
generated_at: "2026-05-31T14:53:09.848123+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.45
calibrated_materiality_score: 0.45
confidence: "high"
source: SEC EDGAR
---

# First Northern Q2 net income $4.4M ($0.29 EPS), down 3.1% YoY; NIM improves to 3.65%

## Summary
- Net income $4.4M for Q2 2024 vs $4.6M in Q2 2023; diluted EPS $0.29 vs $0.30.
- Six-month net income $8.7M ($0.57 EPS), down 13.5% from $10.1M ($0.66 EPS) year ago.
- Net interest margin rose 16 bps to 3.65% from Q1 2024; non-interest expenses down $0.9M (8.3%) quarter-over-quarter.
- Total assets $1.89B (-1.3% YoY); loans up 3.0% to $1.05B; deposits down 2.9% to $1.71B.
- Book value per share $10.75, up 3.0% from March 31, 2024; bank remains well capitalized.

## SEC filing metadata
- accession: 0001140361-24-034756
- form_type: 8-K
- ticker: FNRN
- cik: 0001114927
- company_name: FIRST NORTHERN COMMUNITY BANCORP
- filed_at: 2024-07-30T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.45
- calibrated_materiality_score: 0.45
- confidence: high
- sec_items: 2.02, 9.01, 7.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1114927/000114036124034756/0001140361-24-034756-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1114927/000114036124034756/ef20033284_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-24-034756
- JSON: https://secwatch.observer/filing/0001140361-24-034756.json
- Plain text: https://secwatch.observer/filing/0001140361-24-034756.txt

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