First Northern Community Bancorp (OTC: FNRN)

First Northern Community Bancorp is a bank holding company registered under the Bank Holding Company Act of 1956 and provides community banking services through its wholly owned subsidiary First Northern Bank of Dixon. It serves individuals and small to medium sized businesses in Solano Yolo Placer Sacramento and parts of El Dorado counties. It operates fourteen full service branches and a satellite office and a residential mortgage loan office. It also owns Yolano Realty Corporation which manages other real estate owned properties.

The Company’s principal source of revenue is interest income derived from loans and leases investments and interest bearing deposits. For the year ended December 31 2025 interest income consisted of approximately 70 percent from interest and fees on loans and leases 22 percent from interest on investments and 6 percent from due from banks interest bearing accounts. The Bank also earns fees from alternative investment products fiduciary services equipment leasing credit card processing merchant card processing payroll services and limited international banking services offered through third parties and rents safe deposit boxes.

First Northern Community Bancorp operates in a highly competitive banking environment that includes large national banks regional banks savings and loan associations credit unions and non traditional financial technology companies. Its competitive advantages stem from its deep local presence long standing relationships with customers and the experience of its executive and senior officers in serving business clients. The Bank maintains strong capital ratios as of December 31 2025 with a Tier 1 leverage capital ratio of 11.3 percent a common equity Tier 1 capital ratio of 17.6 percent and a total risk based capital ratio of 18.9 percent indicating it is well capitalized relative to regulatory requirements.

The Company serves individual consumers and small to medium sized businesses primarily located in the northern and central parts of Solano County southern and central Yolo County Placer County and Sacramento County as well as portions of El Dorado County. Its deposit base is diversified across many customers and is not concentrated in any single depositor or industry group.