First Northern Community Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
First Northern Community Bancorp has total assets of $1.9B and total equity of $182.0M. Total deposits are $1.7B, and total loans are $1.0B. It earns a Net Interest Margin of 3.7%. It has sufficient allowance for bad loans, which are currently at 0.4% of total loans. Cash and short-term investments are $183.2M.
Key information
10.6x
Asset to equity ratio
3.7%
Net interest margin
| Total deposits | US$1.73b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.4% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$183.16m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: FNRN's Assets to Equity ratio (10.6x) is moderate.
Allowance for Bad Loans: FNRN has a sufficient allowance for bad loans (419%).
Low Risk Liabilities: 99% of FNRN's liabilities are made up of primarily low risk sources of funding.
Loan Level: FNRN has an appropriate level of Loans to Assets ratio (54%).
Low Risk Deposits: FNRN's Loans to Deposits ratio (60%) is appropriate.
Level of Bad Loans: FNRN has an appropriate level of bad loans (0.4%).