First Northern Community Bancorp (FNRN)
Relationship-based Northern California banking for local businesses and households.
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Runs a Northern California community bank that gathers deposits and makes commercial, agricultural, consumer, construction, residential-mortgage, and commercial-real-estate loans. Revenue is chiefly net interest income, with supplemental fees from banking, mortgage servicing, and investment services delivered through Raymond James.
Operates through First Northern Bank of Dixon, a California state-chartered community bank serving individuals and small- to medium-sized businesses across the Sacramento Valley and adjacent Northern California counties. Its branch-led, relationship-based model combines local decision-making with online and mobile banking, commercial and agribusiness credit, SBA lending, residential mortgages, cash management, and deposit services.
Generates most revenue from the spread between loans and interest-bearing funding, supplemented by fees from deposit services, cards, loan sales and servicing, and investment and brokerage services. Commercial real estate is the largest loan category, while long-term conforming residential mortgages are often sold with servicing retained.
Remains an independent bank holding company whose footprint and loan book are concentrated in Northern California. Operations rely on deposit retention, local property and agricultural conditions, third-party providers including Raymond James, and banking, capital, liquidity, and consumer-protection requirements.
Company facts
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $732.4M · Total debt $0 · Total assets $1.93B · Shareholders' equity $217.2M
- Revenue
- $22.6M
- Operating income
- $6.2M
- Net income
- $4.7M
No dividends on record.
| Institutions | 32.29% | 5.29M shares | |
|---|---|---|---|
| 58 holders · as of Jun 30, 2026 | |||
| Insiders | 4.93% | 807.8K shares | |
| 3 holders · as of Aug 14, 2026 | |||
| Strategic holders | 7.37% | 1.21M shares | |
| 1 holder · as of May 15, 2025 | |||
| Other | 55.41% | 9.08M shares | |
| remainder | |||
16.40M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
M3 Funds, LLCStrategic | 7.37% | 1.21M | filed May 15, 2025 |
Fourthstone LLCInstitution | 7.01% | 1.15M | as of Jun 30, 2026 |
BlackRock, Inc.Institution | 6.41% | 1.05M | as of Jun 30, 2026 |
Mark C. SchulzeInsiderdirector | 4.45% | 729,921 | filed Aug 12, 2026 |
Vanguard Capital Management LLCInstitution | 3.95% | 648,370 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 13, 2026 | Richard M. Martinez | director | −2,000 | $17.51 |
| Aug 12, 2026 | Jean-Luc Servat | director | +1,000 | $17.29 |
| Aug 11, 2026 | Mark C. Schulze | director | −1,118 | $17.40 |
| Aug 10, 2026 | Mark C. Schulze | director | −5,250 | $17.06 |
| Aug 6, 2026 | Mark C. Schulze | director | −400 | $18.11 |
- Five Star Bancorp
Sacramento business-bank rival in CRE, deposits, and agribusiness.
- TriCo Bancshares
Large Northern California relationship-bank rival for deposits and credit.
- Westamerica Bancorp
Northern California rival in business deposits, loans, and cash services.
- Wells Fargo
Large-bank threat across deposits, CRE, mortgages, payments, and wealth.
- JPMorgan Chase
Chase contests retail and business deposits with national digital scale.
- Bank of America
National rival in deposits, business credit, payments, and wealth.
- U.S. Bancorp
Sacramento bank rival for business deposits, commercial loans, and payments.
CompareAfter hours
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| First Northern Community Bancorp | $17.39 | −0.06% | $283.3M | 12.4 | — | 3.2 | +3.4% |
| Five Star Bancorp | $44.17 | 0.00% | $1.07B | 13.1 | 12.6 | 3.8 | +25.1% |
| TriCo Bancshares | $52.32 | −0.06% | $1.70B | 12.7 | 12.1 | 3.1 | +9.9% |
| Westamerica Bancorp | $59.04 | 0.00% | $1.40B | 13.1 | 12.7 | 5.3 | −2.5% |
| Wells Fargo | $83.48 | +0.39% | $261.71B | 12.5 | 11.1 | 2.0 | +8.6% |
| JPMorgan Chase | $340.87 | +0.24% | $943.29B | 15.2 | 14.1 | 3.2 | +27.8% |
| Bank of America | $56.34 | +0.23% | $411.32B | 13.4 | 11.4 | 2.1 | +19.3% |
| U.S. Bancorp | $59.48 | +0.08% | $94.15B | 12.1 | 10.9 | 2.2 | +10.6% |
| Median | 13.1 | 12.1 | 3.1 | +10.6% |