First Northern Community Bancorp is a community bank holding company that operates through its subsidiary, First Northern Bank of Dixon, serving individuals and small- to medium-sized businesses across Northern California, primarily in Solano, Yolo, Placer, Sacramento, and surrounding counties. The bank operates 14 full-service branches and one satellite office in cities including Dixon, Davis, Sacramento, Vacaville, Woodland, Fairfield, Roseville, and Auburn. First Northern's core business is straightforward: it takes in deposits and makes commercial, consumer, and real estate loans to individuals and businesses in its service area. Like most community banks, First Northern earns net interest income by borrowing cheaply via deposits and lending at higher rates. Interest income is the primary revenue driver, with the majority coming from loans and leases. Profitability depends on loan volume and mix, net interest margin, and credit quality. The bank also earns fee income from ancillary services, including investment and brokerage services through Raymond James, and merchant card processing and payroll services through third-party providers. With roughly $1.91B in total assets, First Northern is a small community bank whose cost structure is primarily employee costs and branch occupancy expenses. Its performance is closely tied to the economic health of the Northern California region, including local real estate markets and agricultural activity in the Sacramento Valley.