First Northern Community Bancorp is classed by the SEC under Savings Institution, Federally Chartered (industry code 6035), based in Dixon, CA. Its latest filed balance sheet (2025-12-31) shows total assets of $1.9 billion (its filed statements).
Lending businessSavings Institution, Federally CharteredDixon, CAfilings since 20009 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6035, Savings Institution, Federally Chartered); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.1 out of ten, 9 of 9 metrics filed: past 4.4 out of ten, present 5.8 out of ten, future 5.2 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 4.6 out of ten. 1 warning event since 2017; the latest 2025-06-06. 46th percentile among 34 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 5.2 out of ten. +9.6% a year over 10 filed years; profitable in 10 of 10. 52nd percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 3.8 out of ten. Share count grew 2.8% a year. 42% of cash flow returned. Insiders: 11 sales, 18 purchases. 38th percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 7.0 out of ten. ROE 10%: 10¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar. 70th percentile among 33 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 5.9 out of ten. top 41% of 31 in its family; net margin 25.7%. 59th percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 3.3 out of ten. bottom 33% of 25 in its family for leadership; chief executive since 2023. 33rd percentile among 25 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 4.2 out of ten. bottom 42% of 25 in its family for room to expand. 42nd percentile among 25 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 6.8 out of ten. top 32% of 30 in its family for growth drivers. 68th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 4.5 out of ten. bottom 45% of 29 in its family for expectations against reality. 45th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-13 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-30 for the period ended 2026-06-30 (on EDGAR). Newest filing: Form 144, 2026-08-18. Filings on record since 2000. Read from EDGAR 2026-10-12.
Who runs it
Smith, Jeremiah Zachary (President/CEO/Director); Walker, Louise A (President/CEO/Director); Spink, Kevin (EVP/Chief Financial Officer); Cochran, Charles (EVP/Chief Cmrcl Banking Oficer); Hamilton, Brett (EVP/Chief Credit Officer); Swizer, Duane (EVP/Chief Information Officer); Martinez, Richard M (director); Schulze, Mark C (director); Servat, Jean-Luc (director); Hayes, Barbara A (director); and 1 more. 11 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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