First Northern Community Bancorp
FNRN · OTC
Key indicators
FNRN profitability and balance sheet ratios
Return on equity 10.6% in Dec 2025, down 1.1 points on a year earlier.
| Period | Return on equity |
|---|---|
| Mar 2024 | 13.7% |
| Jun 2024 | 13.0% |
| Sep 2024 | 12.6% |
| Dec 2024 | 11.7% |
| Mar 2025 | 10.9% |
| Jun 2025 | 11.1% |
| Sep 2025 | 11.0% |
| Dec 2025 | 10.6% |
Where the money went
Q2 FY26, from revenue to net income
First Northern Community Bancorp brought in $22.6M of revenue in Q2 FY26. 21¢ of every dollar became profit.
- Revenue
- $22.6M
- Costs, expenses and taxes
- $17.8M
- Net income
- $4.7M
- Net margin
- 20.9%
Income statement
Revenue and profit by reporting period
| Line item | Q2 FY26 |
|---|---|
| Revenue | $22.6M |
| Gross profit | $18.8M |
| Operating income | $6.2M |
| Net income | $4.7M |
| Diluted EPS | $0.29 |
Balance sheet
What the company owns and owes at period end
| Line item | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|
| Total assets | $1.9B | $1.9B | $1.9B |
| Total liabilities | $1.7B | $1.7B | $1.7B |
| Shareholder equity | $0.2B | $0.2B | $0.2B |
| Total debt | $0.0B | $0.0B | $0.0B |
Cash flow
Cash in and out from operations, investing and financing
| Line item | Q2 FY26 |
|---|---|
| Operating cash flow | $3.5M |
| Investing cash flow | −$26.6M |
| Financing cash flow | −$3.1M |
| Capital expenditure | −$0.6M |
| Free cash flow | $2.9M |
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