FIRST NORTHERN COMMUNITY BANCORP

For the period ended Jun 30, 2026. Filed Aug 7, 2026.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Jun 30, 2026 · Filed Aug 7, 2026

FNRN$16.50-1.1%Stored close · as of Nov 10, 2026

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Contents

Condensed Consolidated Statements of Income (Unaudited)

	Three months ended	Three months ended	Six months ended	Six months ended
(in thousands, except per share amounts)	June 30, 2026	June 30, 2025	June 30, 2026	June 30, 2025
Interest and dividend income:
Loans	$14,549	$14,629	$28,871	$28,231
Due from banks interest bearing accounts	1,141	1,167	2,345	2,055
Investment securities:
Taxable	4,529	4,137	8,963	8,485
Non-taxable	438	391	885	784
Other earning assets	149	250	704	522
Total interest and dividend income	20,806	20,574	41,768	40,077
Interest expense:
Deposits	3,800	3,546	7,558	7,106
FHLB advances	—	75	—	75
Total interest expense	3,800	3,621	7,558	7,181
Net interest income	17,006	16,953	34,210	32,896
Provision for credit losses	600	—	900	850
Net interest income after provision for credit losses	16,406	16,953	33,310	32,046
Non-interest income:
Service charges on deposit accounts	431	415	847	837
Gains on sales of loans held-for-sale	8	10	26	24
Investment and brokerage services income	362	150	746	301
Loan servicing income	74	71	143	147
Debit card income	685	698	1,330	1,351
Losses on sales/calls of available-for-sale securities	(112)	(36)	(112)	(89)
Other income	315	229	523	419
Total non-interest income	1,763	1,537	3,503	2,990
Non-interest expenses:
Salaries and employee benefits	6,545	6,195	13,104	12,569
Occupancy and equipment	1,118	1,280	2,154	2,419
Data processing	1,395	1,099	2,528	2,195
Stationery and supplies	150	65	219	148
Advertising	107	97	189	230
Directors’ fees	97	87	150	134
Amortization of intangible assets	245	180	498	369
Other expense	2,297	1,890	4,144	4,419
Total non-interest expenses	11,954	10,893	22,986	22,483
Income before provision for income taxes	6,215	7,597	13,827	12,553
Provision for income taxes	1,487	2,131	3,193	3,416
Net income	$4,728	$5,466	$10,634	$9,137
Basic earnings per common share	$0.29	$0.33	$0.66	$0.56
Diluted earnings per common share	$0.29	$0.33	$0.64	$0.55

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.