First Northern Community Bancorp

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First Northern Community Bancorp (NASDAQ: FNRN) is a California-based bank holding company that operates First Northern Bank of Dixon, a state-chartered commercial bank serving businesses and individuals in Northern California. The company makes money primarily through net interest income, the spread between interest earned on loans and investment securities and interest paid on deposits, supplemented by non-interest income from service charges on deposit accounts, debit card income, gains on loan sales, and merchant processing services. The bank competes against major commercial banks that dominate California's banking market, with larger institutions holding substantially greater lending limits. As of December 31, 2025, approximately 40% of the bank's deposits were uninsured, and the company held a Federal Home Loan Bank collateral borrowing capacity of $390,191,000. The company pays stock dividends rather than cash dividends. Jeremiah Z. Smith serves as President and Chief Executive Officer, and Kevin Spink serves as Executive Vice President and Chief Financial Officer.