First Northern Comm Banc

What First Northern Comm Banc does

First Northern Community Bancorp (Nasdaq: FNRN) is a California-domiciled bank holding company founded in 1910 that operates First Northern Bank, a community bank headquartered in Dixon with 14 branches across six Northern California counties and $1.92 billion in total assets as of March 31, 2026. The bank offers a full-service suite organized into three lines: business banking (four checking products, savings, CDs, SBA Preferred Lender loans, agribusiness loans, commercial real estate loans, business term loans, lines of credit, and the exclusive Lightning Loans digital product for $2,500-$50,000 small business credit), personal banking (checking, savings, HSA, IRA, mortgages, HELOCs), and wealth management through First Northern Advisors (FNA), a division operating in partnership with Raymond James Financial Services. Digital infrastructure includes mobile and online banking, CardValet, Remote Deposit Capture, merchant services via Celero, payroll through PrimePay, and mobile wallet support for Apple Pay, Google Pay, and Samsung Pay.

The revenue model is traditional community banking: net interest income from loans and deposits, supplemented by transaction-based fees (overdraft, ATM, wire, cash management) and a growing fee stream from wealth management following the February 2026 acquisition of Beacon Wealth Strategies. Q1 2026 revenue reached $19.18M with net income of $5.9M (up 60.9% year-over-year) and a 3.83% net interest margin; investment and brokerage income rose 154.3% on the Beacon deal. Distribution is sales-led and relationship-driven, anchored by 14 physical branches and in-person lending officers, with a referral program and digital top-of-funnel presence. Recent strategic actions include the April 2026 Nasdaq uplisting, the $15.6M stock buyback program authorized in March 2026, and product additions such as Lightning Loans, indicating an institution moving from a traditional community bank toward a more diversified, fee-augmented, and digitally enabled regional franchise.

Name

First Northern Comm Banc

Legal name

First Northern Bank

Website

https://thatsmybank.com

Company type

Public

Founded year

1910

Operating status

Operating

Headcount range

101–250 employees

Short description

First Northern Community Bancorp is a 1910-founded California community bank holding company operating First Northern Bank across 14 branches in Northern California, offering business and personal banking, SBA and agribusiness lending, and wealth management via First Northern Advisors.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (52211), Commercial Banking (522110), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

akta.pro secondary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Community banking
• Commercial lending
• Small business loans
• Wealth management services
• Personal banking products

Headquarters

HQ city

Dixon

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Interest Income: Traditional banking revenue from interest on loans, service charges on deposit accounts, and transaction fees from cash management services.
2. Non-interest Income (Fees): Fees from account maintenance, overdrafts, ATM usage, wire transfers, and other banking services.
3. Wealth Management: Wealth management and advisory services through First Northern Advisors division, serving clients post-acquisition of Beacon Wealth Strategies.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

First Northern Bank is a community bank providing a full suite of business and personal banking products, including checking, savings, CDs, mortgages, HELOCs, commercial real estate loans, SBA loans, agribusiness loans, and small business credit, complemented by wealth management through First Northern Advisors and digital banking via mobile and online channels. Revenue is generated from net interest income on loans and deposits, account and transaction fees, and advisory fees from the wealth management division.

Product overview

First Northern Bank is a California community bank offering a comprehensive suite of banking products organized around business banking, personal banking, and wealth management. The business banking portfolio includes four checking products (Simply Business Checking, Business Interest Checking, Business Growth Checking, Commercial Checking), five business savings options (Statement Savings, Money Market, CDs, Insured Cash Sweep, Business Retirement), and diverse lending products including Commercial Real Estate, Business Term Loans, Lines of Credit, Lightning Loans (exclusive online product), SBA loans, and Agribusiness loans. Personal banking encompasses three checking accounts (Simply Checking, Premier Interest Checking, 50+ Interest Checking), savings options including Health Savings Accounts and IRAs, mortgage and HELOC products. The First Northern Advisors (FNA) division, operating through Raymond James, provides investment and wealth management services. Digital banking capabilities include mobile and online banking, CardValet, Remote Deposit Capture, Merchant Services, and Payroll Services through PrimePay. Recent initiatives include the February 2026 acquisition of Beacon Wealth Strategies and the April 2026 Nasdaq Capital Market uplisting.

Differentiator

Problem solved

Functional benefit

Products and services

• Simply Business Checking Basic business checking account for small businesses with lower transaction volumes, offering up to 1,000 free transactions per month, no monthly maintenance fee, and no minimum balance requirements.
• Business Interest Checking Interest-bearing checking account designed for non-profit organizations, sole proprietors, attorney/client trust funds, and public entities with moderate activity levels.
• Business Growth Checking Enhanced checking account for growing small businesses requiring more financial services, featuring 200 free monthly transactions and mobile deposit limits.
• Commercial Checking Full-service checking for businesses with large transaction volumes, offering unlimited monthly transactions with earnings credits to offset fees.
• Business Statement Savings Business savings account earning attractive interest with 24-hour access via online and mobile banking, requiring $500 minimum balance to waive the $5 monthly maintenance fee.
• Business Money Market Investment Account Tiered-rate business investment account offering rates higher than regular savings with limited check-writing access, requiring $2,500 minimum to waive the $10 monthly maintenance fee.
• Business Certificates of Deposit (CDs) Fixed-rate business CDs with terms ranging from less than 1 year to 5 years, offering higher returns than savings accounts with FDIC insurance through CDARS for large deposits.
• Commercial Real Estate Loans Loans for purchasing or refinancing commercial properties including office, industrial, and retail, with customized terms for owner-occupied or investment properties.
• Business Term Loans Fixed-rate loans for business expansion, equipment purchases, and working capital with amounts from $25,000 to $750,000 and repayment terms up to 84 months.
• Business Line of Credit Revolving credit line for short-term or seasonal business needs with 6-year terms (3 years interest-only revolving, 3 years amortized), available amounts from $50,000 to over $750,000.
• Lightning Loans Exclusive online small business loan and line of credit with approval in minutes and funds available within three business days, ranging from $2,500 to $50,000.
• SBA Loans SBA 7(a) and 504 loans through the U.S. Small Business Administration Preferred Lender program, offering financing from $50,000 to $2,500,000 for startups, acquisitions, and commercial real estate.
• Agribusiness Loans Specialized agricultural lending including crop production, equipment, development loans, lines of credit, farm real estate, and livestock financing tailored for farming operations.
• Business Credit Cards Business and consumer credit cards issued by Elan Financial Services under Visa and Mastercard licenses with zero fraud liability.
• Simply Checking Personal checking account with unlimited check writing, no monthly service charges, and free online and mobile banking with mobile deposit.
• Premier Interest Checking Tiered interest-bearing personal checking account that rewards larger balances with higher rates, requiring $2,500 minimum to waive the $10 monthly maintenance fee.
• 50+ Interest Checking Interest-bearing checking account exclusively available to customers 50 years or better, offering competitive interest on entire balance with no monthly maintenance fee.
• Home Mortgage Loans Residential mortgage financing with local underwriting and decisions through the bank's mortgage division, offering purchase and refinance options.
• Home Equity Lines of Credit (HELOC) Revolving credit lines secured by home equity for education, home improvements, debt consolidation, and other major expenses, with minimum credit lines of $25,000.
• Health Savings Account (HSA) Tax-advantaged health savings account for individuals with high-deductible health plans, offering triple tax savings for qualified medical expenses.
• Individual Retirement Accounts (IRAs) Traditional and Roth IRA options offering tax-advantaged retirement savings with attractive interest rates and flexible contribution options.
• First Northern Advisors (FNA) Wealth Management Wealth management and investment advisory division operated through Raymond James Financial Services, offering personalized investment strategies and financial planning.
• Remote Deposit Capture Desktop-based electronic check deposit service allowing businesses to scan and submit checks for deposit 24/7 via secure internet connection.
• Merchant Services Payment processing for businesses accepting debit and credit cards through Celero, supporting mobile, e-commerce, and Clover point-of-sale solutions with EMV/chip card processing.
• Payroll Services Payroll processing solutions ranging from self-service ACH processing to full HCM outsourcing through PrimePay, including HR services, tax filing, and workforce management.

Quantifiable outcome

• Region's #1 local small business lender for over a decade
• +3 more outcomes

Segments9 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature1 record

Partnerships

Five partnerships are on record, tiered minor and core.

• Sierra College FoundationminorOthers · 21 May 2026CEO Jeremiah Smith appointed to the Board of Directors of the Sierra College Foundation, a non-profit providing scholarships and community partnerships for students in the region. Supports workforce development initiatives.
• Beacon Wealth StrategiescoreStrategic or Co-development Partner · 17 February 2026First Northern Bank acquired Beacon Wealth Strategies, an independent financial advisory firm owned and operated by Tom Cicchini. The acquisition strengthens First Northern Bank's wealth management platform by adding Beacon's client base and assets under management. Cicchini joined First Northern Advisors ahead of his planned retirement on June 30, 2026.
• Raymond JamescoreChannel Partner/ Reseller/ DistributorFirst Northern Advisors (FNA), the wealth management division of First Northern Bank, operates in partnership with Raymond James Financial Services. Securities are offered through Raymond James Financial Services, Inc., member FINRA/SIPC.
• MoneyPassminorChannel Partner/ Reseller/ DistributorPartnership with MoneyPass ATM network provides customers access to over 40,000 surcharge-free ATMs nationwide.
• PrimePayminorChannel Partner/ Reseller/ DistributorPartnership with PrimePay provides comprehensive payroll and human capital management solutions including HR services, payroll and tax, workforce management for business clients.

Scale indicators13 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• TriCo Bancshares: California-based community bank holding company (Tri Counties Bank) with a comparable mix of business and consumer banking, SBA lending, and agribusiness exposure across Northern and Central California — closely aligned business model and footprint with FNB.
• Bank of Marin Bancorp: Northern California community bank with a comparable relationship-banking, SMB deposit and lending model; competes in some adjacent North Bay and Sacramento-area markets with similar deposit mix and CRE concentration.
• Coastal Financial Corporation: Washington-state community bank (Coastal Community Bank) referenced as a direct competitor with $661M revenue in FNB's scale comparison; comparable SBA, business banking, and digital product orientation.
• Pacific Premier Bancorp: Commercial-focused West Coast community bank with strong CRE and SMB lending orientation; comparable revenue/earnings scale trajectory, business banking tilt, and acquisitive growth strategy.
• Heritage Commerce Corp: California community bank holding company (Heritage Bank of Commerce) focused on business banking, SBA lending, and CRE in the San Francisco Bay Area — overlapping markets, lending verticals, and community-bank model.
• CVB Financial / Citizens Business Bank: California-domiciled community bank with similar commercial banking, agribusiness, and SBA lending emphasis, operating across Southern California and Inland Empire — directly comparable product mix and customer verticals.
• Farmers & Merchants Bancorp: Long-standing California community bank with deep agricultural lending roots — directly comparable agribusiness vertical, similar SMB-checking product suite, and equivalent community-bank deposit franchise.

Broad incumbents

• Wells Fargo (Community Banking / Regional Commercial): National commercial bank with deep branch, SMB lending, and agribusiness presence across Northern California; not a niche competitor but defines the competitive backdrop FNB operates within for deposits, SBA, and CRE.
• East West Bancorp: Large California-headquartered commercial bank offering full-service business and consumer banking across the West Coast; competes for SMB and CRE clients in FNB's adjacent markets but with much broader product set and balance sheet.

Regional players

• Plumas Bancorp: California community bank focused on agribusiness and small business in rural Northern California — comparable agricultural lending expertise and SMB-deposit franchise but smaller footprint and limited geographic overlap.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/FirstNorthernBank
• Facebookfacebook.com/ThatsMyBank
• LinkedInlinkedin.com/company/first-northern-bank?trk=company_logo

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First Northern Comm Banc