First Northern Community Bancorp (FNRN) Balance Sheet
FNRN balance sheet, 2025
December 31, 2025 · U.S. dollars$1.91B assets = $1.70B liabilities + $212.0M equity
Both columns are drawn to the same scale: what FNRN owns equals what it owes plus shareholders’ equity. Hover a block for its value.
FNRN financial health
Descriptive bands, not a rating. Fiscal 2025.
FNRN balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $1.17B2016 | $1.91B2025 | +5.6%/yr | |
| Total liabilities | $1.07B2016 | $1.70B2025 | +5.2%/yr | |
| Shareholders’ equity | $92.3M2016 | $212.0M2025 | +9.7%/yr | |
| Cash & short-term investments | $452.9M2016 | $145.6M2025 | −11.9%/yr | |
| Total debt | $5.0M2020 | $5.8M2025 | +3.0%/yr | |
| Net cash (debt) | $714.2M2020 | $139.8M2025 | −$574.4M | |
| Working capital | −$626.7M2016 | $151.8M2025 | +$778.5M | |
| Book value per share | $5.962016 | $13.112025 | +9.2%/yr | |
| Debt / equity | 0.032020 | 0.032025 | −0.01 | |
| Shares outstanding | 15.5M2016 | 16.2M2025 | +0.5%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
FNRN assets
FNRN liabilities and equity
FNRN debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
FNRN balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $145.6M | $769.4M | $741.3M | $826.5M | $991.4M | $719.2M | $469.1M | $438.3M | $435.6M | $452.9M |
| Cash & equivalents | $145.6M | $135.5M | $168.9M | $208.4M | $359.2M | $284.1M | $126.2M | $123.6M | $154.9M | $175.9M |
| Short-term investments | $418.9M | $633.9M | $572.4M | $618.1M | $632.2M | $435.1M | $342.9M | $314.6M | $280.7M | $277.1M |
| Receivables | $7.3M | $7.7M | $6.8M | $5.7M | $4.6M | $5.1M | $4.3M | $4.2M | $4.1M | $4.0M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $1.1M | $1.0M | $3.3M |
| Other current assets | $0 | $5.2M | $5.9M | $7.1M | $5.7M | $5.8M | $4.4M | $3.0M | $2.5M | $0 |
| Total current assets | $152.9M | $782.2M | $754.0M | $839.3M | $1.00B | $730.1M | $477.8M | $446.5M | $443.3M | $458.5M |
| Property, plant & equipment (net) | $14.1M | $12.4M | $14.0M | $11.0M | $11.7M | $12.4M | $13.6M | $6.6M | $6.2M | $7.3M |
| Goodwill & intangible assets | $4.3M | $4.6M | $5.6M | $1.6M | $1.5M | $1.2M | $1.5M | $1.6M | $1.7M | $1.8M |
| Long-term investments | $617.2M | $633.9M | $572.4M | $618.1M | $633.3M | $1.32B | $342.9M | $314.6M | $281.0M | $277.7M |
| Other non-current assets | $1.12B | $458.6M | $525.9M | $401.3M | $250.9M | $0 | $456.9M | $480.4M | $485.3M | $421.5M |
| Total assets | $1.91B | $1.89B | $1.87B | $1.87B | $1.90B | $1.66B | $1.29B | $1.25B | $1.22B | $1.17B |
| Liabilities | ||||||||||
| Accounts payable | — | — | $20.1M | $19.4M | $19.9M | $21.6M | $21.0M | $12.8M | $12.9M | $10.8M |
| Short-term debt | $1.1M | $1.1M | $1.0M | $672,000 | $570,000 | $5.0M | — | — | — | — |
| Total current liabilities | $1.1M | $1.70B | $1.71B | $1.75B | $1.75B | $1.50B | $1.16B | $1.14B | $1.13B | $1.09B |
| Long-term debt | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other long-term liabilities | $1.70B | $15.3M | $1.71B | $4.8M | $5.1M | $21.6M | $21.0M | $12.8M | $0 | $0 |
| Total liabilities | $1.70B | $1.72B | $1.71B | $1.75B | $1.75B | $1.50B | $1.16B | $1.14B | $1.12B | $1.07B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $134.6M | $127.9M | $123.2M | $116.1M | $109.8M | $107.5M | $100.2M | $92.6M | $85.6M | $79.1M |
| Retained earnings (deficit) | $92.0M | $81.3M | $68.8M | $54.5M | $44.3M | $37.1M | $31.6M | $23.9M | $17.9M | $14.6M |
| Accumulated other comprehensive income | −$15.5M | −$33.9M | −$33.7M | −$46.5M | −$4.2M | $5.0M | $134,000 | −$5.0M | −$4.4M | −$2.4M |
| Total shareholders' equity | $212.0M | $176.3M | $159.2M | $125.0M | $150.9M | $150.7M | $132.9M | $112.5M | $100.0M | $92.3M |
| Key figures | ||||||||||
| Total debt | $5.8M | $6.2M | $8.1M | $5.4M | $5.7M | $5.0M | — | — | — | — |
| Net cash (debt) | $139.8M | $763.1M | $733.1M | $821.0M | $985.8M | $714.2M | — | — | — | — |
| Working capital | $151.8M | −$916.8M | −$958.6M | −$907.0M | −$746.5M | −$774.6M | −$681.9M | −$690.8M | −$687.2M | −$626.7M |
| Tangible book value | $207.7M | $171.7M | $153.6M | $123.4M | $149.4M | $149.4M | $131.4M | $110.9M | $98.3M | $90.5M |
| Book value per share | $13.11 | $10.42 | $9.43 | $7.40 | $9.62 | $9.13 | $8.46 | $7.16 | $6.40 | $5.96 |
| Shares outstanding | 16.2M | 16.9M | 16.9M | 16.9M | 15.7M | 16.5M | 15.7M | 15.7M | 15.6M | 15.5M |
| Current ratio | 140.53 | 0.46 | 0.44 | 0.48 | 0.57 | 0.49 | 0.41 | 0.39 | 0.39 | 0.42 |
| Quick ratio | 140.53 | 0.46 | 0.44 | 0.48 | 0.57 | 0.48 | 0.41 | 0.39 | 0.39 | 0.42 |
| Debt / equity | 0.03 | 0.04 | 0.05 | 0.04 | 0.04 | 0.03 | — | — | — | — |
| Equity / assets | 11.1% | 9.3% | 8.5% | 6.7% | 7.9% | 9.1% | 10.3% | 9.0% | 8.2% | 7.9% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $732.4M | $578.6M | $574.6M | $569.8M | $548.2M | $564.5M | $769.4M | $815.6M | $759.7M | $763.5M | $741.3M | $785.2M |
| Cash & equivalents | $113.4M | $149.8M | $145.6M | $162.4M | $141.4M | $127.3M | $135.5M | $183.2M | $198.6M | $205.1M | $168.9M | $217.8M |
| Short-term investments | $618.9M | $428.8M | $418.9M | $407.4M | $406.7M | $437.2M | $633.9M | $632.4M | $561.1M | $558.4M | $572.4M | $567.4M |
| Receivables | $8.1M | $7.3M | $7.3M | $7.5M | $7.6M | $7.0M | $7.7M | $7.7M | $7.1M | $6.7M | $6.8M | $54.7M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $5.2M | $0 | $0 | $0 | $5.9M | $0 |
| Total current assets | $732.4M | $578.6M | $145.6M | $569.8M | $548.2M | $564.5M | $782.2M | $815.6M | $759.7M | $763.5M | $754.0M | $840.0M |
| Property, plant & equipment (net) | $9.3M | $9.0M | $14.1M | $8.5M | $7.9M | $7.9M | $12.4M | $9.4M | $9.5M | $9.7M | $14.0M | $10.1M |
| Goodwill & intangible assets | $3.8M | $4.1M | $4.3M | $2.8M | $3.0M | $3.1M | $4.6M | $3.5M | $3.7M | $3.9M | $5.6M | $4.4M |
| Long-term investments | $618.9M | $623.3M | $617.2M | $601.5M | $593.5M | $637.2M | $633.9M | $632.4M | $561.1M | $558.4M | $572.4M | $567.4M |
| Other non-current assets | $562.0M | $709.6M | $1.13B | $725.6M | $719.4M | $663.1M | $458.6M | $469.8M | $553.9M | $551.5M | $525.9M | $480.5M |
| Total assets | $1.93B | $1.92B | $1.91B | $1.91B | $1.87B | $1.88B | $1.89B | $1.93B | $1.89B | $1.89B | $1.87B | $1.90B |
| Liabilities | ||||||||||||
| Accounts payable | — | — | — | — | — | — | — | — | — | — | $20.1M | $19.5M |
| Short-term debt | $550,000 | $810,000 | $1.1M | $309,000 | $529,000 | $791,000 | $1.1M | $1.3M | $1.5M | $741,000 | — | — |
| Total current liabilities | $550,000 | $1.69B | $1.1M | $1.69B | $1.66B | $1.67B | $1.70B | $1.73B | $1.71B | $1.71B | $1.71B | $1.77B |
| Long-term debt | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other long-term liabilities | $1.71B | $16.1M | $1.70B | $17.0M | $16.5M | $13.1M | $15.3M | $19.2M | $17.8M | $19.5M | $0 | $0 |
| Total liabilities | $1.71B | $1.71B | $1.70B | $1.70B | $1.68B | $1.69B | $1.72B | $1.75B | $1.72B | $1.72B | $1.71B | $1.77B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $134.0M | $134.1M | $134.6M | $125.6M | $126.5M | $127.2M | $127.9M | $121.4M | $122.8M | $123.9M | $123.2M | $116.8M |
| Retained earnings (deficit) | $102.0M | $97.3M | $92.0M | $96.1M | $90.1M | $84.6M | $81.3M | $82.6M | $77.1M | $72.7M | $68.8M | $67.9M |
| Accumulated other comprehensive income | −$19.8M | −$18.6M | −$15.5M | −$17.9M | −$22.6M | −$25.0M | −$33.9M | −$23.0M | −$35.2M | −$35.2M | −$33.7M | −$49.2M |
| Total shareholders' equity | $217.2M | $213.8M | $212.0M | $204.8M | $194.9M | $187.8M | $176.3M | $182.0M | $165.7M | $162.3M | $159.2M | $136.5M |
| Key figures | ||||||||||||
| Total debt | $550,000 | $5.6M | $5.8M | $10.6M | $3.2M | $6.4M | $6.2M | $3.9M | $4.1M | $4.3M | — | — |
| Net cash (debt) | $731.8M | $573.0M | $568.8M | $559.2M | $545.0M | $558.1M | $763.1M | $811.7M | $755.6M | $759.2M | — | — |
| Working capital | $731.8M | −$1.12B | $144.5M | −$1.12B | −$1.12B | −$1.11B | −$916.8M | −$916.5M | −$947.3M | −$945.3M | −$958.6M | −$925.9M |
| Tangible book value | $213.3M | $209.7M | $207.7M | $202.0M | $191.9M | $184.7M | $171.7M | $178.5M | $162.0M | $158.4M | $153.6M | $132.1M |
| Book value per share | $13.15 | $12.93 | $12.82 | $12.95 | $12.33 | $11.26 | $10.63 | $11.30 | $10.25 | $9.58 | $9.80 | $8.89 |
| Shares outstanding | 16.5M | 16.5M | 16.5M | 15.8M | 15.8M | 16.7M | 16.6M | 16.1M | 16.2M | 17.0M | 16.3M | 15.4M |
| Current ratio | 1,331.57 | 0.34 | 133.78 | 0.34 | 0.33 | 0.34 | 0.46 | 0.47 | 0.45 | 0.45 | 0.44 | 0.48 |
| Quick ratio | 1,346.22 | 0.35 | 534.88 | 0.34 | 0.33 | 0.34 | 0.46 | 0.48 | 0.45 | 0.45 | 0.44 | 0.48 |
| Debt / equity | 0.00 | 0.03 | 0.03 | 0.05 | 0.02 | 0.03 | 0.04 | 0.02 | 0.02 | 0.03 | — | — |
| Equity / assets | 11.3% | 11.1% | 11.1% | 10.7% | 10.4% | 10.0% | 9.3% | 9.4% | 8.8% | 8.6% | 8.5% | 7.2% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed January 30, 2026); data from EODHD.
FNRN financial position
At the end of fiscal 2025 (December 31, 2025), First Northern Community Bancorp had total assets of $1.9 billion (up 1.0% from a year earlier), total liabilities of $1.7 billion and shareholders' equity of $212.0 million. It held $145.6 million in cash and short-term investments against $5.8 million of debt, a net cash position of $139.8 million. Its current ratio was 140.53. In the latest quarter (ended June 30, 2026) total assets were $1.9 billion and equity $217.2 million.
Related: FNRN income statement, FNRN cash flow statement, FNRN key metrics. See the FNRN stock overview for the latest quote and news.
FNRN balance sheet FAQ
What are First Northern Community Bancorp's total assets?
First Northern Community Bancorp reported total assets of $1.9 billion at the end of fiscal 2025 (December 31, 2025), compared with $1.9 billion a year earlier.
How much debt does First Northern Community Bancorp have?
First Northern Community Bancorp had $5.8 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.03.
How much cash does First Northern Community Bancorp have?
First Northern Community Bancorp held $145.6 million in cash and short-term investments at the end of fiscal 2025; with $5.8 million of debt that is net cash of $139.8 million.
What is First Northern Community Bancorp's book value?
First Northern Community Bancorp's shareholders' equity (book value) was $212.0 million at the end of fiscal 2025, or $13.11 per share.
What is First Northern Community Bancorp's current ratio?
First Northern Community Bancorp had current assets of $152.9 million and current liabilities of $1.1 million, a current ratio of 140.53 (it can cover its short-term obligations).
How much goodwill does First Northern Community Bancorp have?
First Northern Community Bancorp carried $4.3 million of goodwill and intangible assets, 0.2% of total assets, at the end of fiscal 2025.