First Northern Community Bancorp (FNRN) risk factors

Item 1A of every First Northern Community Bancorp 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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FY2025 10-K risk factors
19 risks1 dropped9 reworded
Allowance for credit losses decreased to $14.5 million or 1.36% of total loans at December 31, 2025. Real estate-secured loans decreased from 87% to 84% of total loans.
Filed Mar 13, 2026
FY2024 10-K risk factors
20 risks
The bank's risk profile centers on commercial and real estate loan concentration in California. Regional bank failures, California wildfires, and home insurance pullbacks increase credit and default risks.
Filed Mar 07, 2025