---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-25-023378"
form_type: "8-K"
ticker: "FNWB"
cik: "0001556727"
company_name: "First Northwest Bancorp"
filed_at: "2025-07-24T23:59:59+00:00"
generated_at: "2026-05-18T02:15:45.608365+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# First Northwest Bancorp reports Q2 net income $3.7M vs prior Q loss $9.0M; no dividend declared

## Summary
- Net income of $3.7M ($0.42 EPS) vs net loss of $9.0M ($1.03 loss/share) in Q1 2025 and net loss of $2.2M ($0.25 loss/share) in Q2 2024.
- Net interest margin expanded to 2.83% from 2.76% in preceding quarter; efficiency ratio improved to 78.0% from 113.5%.
- Recorded a $296K recapture of provision for credit losses on loans; prior Q had $7.8M provision, Q2 2024 had $8.7M provision.
- Board elected not to declare a quarterly dividend as part of prudent capital management; prior quarter also had no dividend.
- Company continues to dispute allegations in legal proceedings disclosed in June 13, 2025 8-K and intends to vigorously defend.

## SEC filing metadata
- accession: 0001437749-25-023378
- form_type: 8-K
- ticker: FNWB
- cik: 0001556727
- company_name: First Northwest Bancorp
- filed_at: 2025-07-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1556727/000143774925023378/0001437749-25-023378-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1556727/000143774925023378/fnwb20250520_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-023378
- JSON: https://secwatch.observer/filing/0001437749-25-023378.json
- Plain text: https://secwatch.observer/filing/0001437749-25-023378.txt

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