secwatch.observer — SEC 8-K summary
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Issuer:     FIRST NORTHERN COMMUNITY BANCORP (FNRN)
CIK:        0001114927
Form:       8-K
Filed at:   2025-10-30T23:59:59+00:00
Accession:  0001437749-25-032239
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01, 7.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1114927/000143774925032239/0001437749-25-032239-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1114927/000143774925032239/fnrn20250919_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-25-032239

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer