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First Northern Community Bancorp

thatsmybank.com

What Do They Do?

Provides community banking services, including deposit accounts and commercial, consumer and real estate loans, to individuals and small- and medium-sized businesses in California.

How Do They Make Money?

Earns monthly fees for deposit accounts, transaction fees when account services are used, and fees from the payment network as debit-card transactions are processed.

revenue

Segment	Share	Revenue	How money arrives
Deposit Account	38%
Debit Card Usage-based	62%		Usage-based

Who Are Their Customers?

Individuals and small- and medium-sized businesses use the bank’s branches for deposits and loans; financial advisors offer investment and brokerage services through Raymond James Financial Services.

Do Revenues Turn Into Profits?

Yes. It kept 26 cents of every revenue dollar as net income in FY2025 and turned 6 cents into free cash flow.

Net income, FY2025

26% of revenue

▲ +5% vs FY2024 ($20M, 25%)

Free cash flow, FY2025

6% of revenue

▼ −73% vs FY2024 ($19.2M, 24%)

How Are They Changing?

Since the FY2025 annual report

Latest quarter: Q2 FY2026, the three months to Jun 30, 2026

Revenue: ▲ +1%; vs $20.6M in Q2 FY2025
Net income: ▼ −14%; vs $5.5M in Q2 FY2025

Debit Card share of revenue from contract with customer, including assessed tax vs 59.0% in Q2 FY2025

Growing. Revenue grew 74% in 4 years, from $47.2M in FY2021 to $82.3M in FY2025, about 15% a year.

Revenue over time

Deposit Account Debit Card

$5M$2.5M$0

FY2024 FY2025