---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-25-032239"
form_type: "8-K"
ticker: "FNRN"
cik: "0001114927"
company_name: "FIRST NORTHERN COMMUNITY BANCORP"
filed_at: "2025-10-30T23:59:59+00:00"
generated_at: "2026-05-17T01:14:15.616015+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001437749-25-032239
- form_type: 8-K
- ticker: FNRN
- cik: 0001114927
- company_name: FIRST NORTHERN COMMUNITY BANCORP
- filed_at: 2025-10-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01, 7.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1114927/000143774925032239/0001437749-25-032239-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1114927/000143774925032239/fnrn20250919_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-032239
- JSON: https://secwatch.observer/filing/0001437749-25-032239.json
- Plain text: https://secwatch.observer/filing/0001437749-25-032239.txt

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