First Northern Community Bancorp Q3 net income rises 9.6% to $6.0M; NIM expands to 3.75%

FIRST NORTHERN COMMUNITY BANCORP

2025-Q3 EPS reported $0.96

Q3 net income $6.0M ($0.38 diluted EPS) vs $5.5M ($0.34) in Q3 2024, up 9.6%.
Net interest margin improved to 3.75% from 3.65% a year ago; no provision for credit losses recorded.
Book value per share $13.03, up $0.70 from prior quarter; total assets $1.91B, loans up 1.3%.
Tax planning via purchase of alternative energy investment tax credits reduced effective tax rate significantly.
Nine-month net income $15.2M ($0.96 diluted EPS), up 6.8% from $14.2M ($0.88) in prior year.

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