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Item 9A. Controls and Procedures

2026-03-13 compared with 2025-03-07 · 77 added, 129 removed, 102 unchanged (67% of the section changed)

1 unchanged sentence

Disclosure controls and procedures

The Company maintains “disclosure controls and procedures,” as such term is defined in Rule 13a-15(e) and Rule 15d-15(e) under the Securities Exchange Act of 1934 (“Exchange Act”), that are

designed to ensure that information required to be disclosed in reports that the Company files or submits under the Exchange Act is recorded, processed, summarized, and reported within the time periods specified in Securities and Exchange

Commission rules and forms, and that such information is accumulated and communicated to management, including the Company’s chief executive officer and chief financial officer, as appropriate, to allow timely decisions regarding required

The Company maintains “disclosure controls and procedures,” as such term is defined in Rule 13a-15(e) and Rule 15d-15(e) under the Securities Exchange Act of 1934 (“Exchange Act”), that are designed to ensure that information required to be disclosed in reports that the Company files or submits under the Exchange Act is recorded, processed, summarized, and reported within the time periods specified in Securities and Exchange Commission rules and forms, and that such information is accumulated and communicated to management, including the Company’s chief executive officer and chief financial officer, as appropriate, to allow timely decisions regarding required disclosure.

The Company’s disclosure controls and procedures have been designed to meet and management believes that they meet reasonable assurance standards.

Based on their evaluation as of the end of the period covered by this Annual Report

on Form 10-K, the chief executive officer and chief financial officer have concluded that the Company’s disclosure controls and procedures were effective to ensure that material information relating to the Company, including its consolidated

subsidiary, is made known to them by others within those entities.

Based on their evaluation as of the end of the period covered by this Annual Report on Form 10-K, the chief executive officer and chief financial officer have concluded that the Company’s disclosure controls and procedures were effective to ensure that material information relating to the Company, including its consolidated subsidiary, is made known to them by others within those entities.

Internal controls over financial reporting

Management of the Company is responsible for establishing and maintaining adequate internal control over financial reporting.

This internal control system has been designed to provide reasonable

assurance to the Company’s management and Board of Directors regarding the preparation and fair presentation of the Company’s published consolidated financial statements.

All internal control systems, no matter how well designed, have inherent

This internal control system has been designed to provide reasonable assurance to the Company’s management and Board of Directors regarding the preparation and fair presentation of the Company’s published consolidated financial statements.

All internal control systems, no matter how well designed, have inherent limitations.

Therefore, even those systems determined to be effective can provide only reasonable assurance with respect to financial statement preparation and presentation.

As required by Rule 13a-15(d), management, including the chief

executive officer and chief financial officer, conducted an evaluation of our internal control over financial reporting to determine whether any changes occurred during the period covered by this Annual Report on Form 10-K that have materially

affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.

Based on that evaluation, the Chief Executive Officer and Chief Financial Officer concluded that there has been no such change

during the last quarter of the fiscal year covered by this Annual Report on Form 10-K that has materially affected, or is reasonably likely to materially affect, the Company’s internal control over financial reporting.

See “Management’s

Report” included in Item 8 of this Annual Report on Form 10-K for management’s report on the adequacy of internal control over financial reporting.

As required by Rule 13a-15(d), management, including the chief executive officer and chief financial officer, conducted an evaluation of our internal control over financial reporting to determine whether any changes occurred during the period covered by this Annual Report on Form 10-K that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.

Based on that evaluation, the Chief Executive Officer and Chief Financial Officer concluded that there has been no such change during the last quarter of the fiscal year covered by this Annual Report on Form 10-K that has materially affected, or is reasonably likely to materially affect, the Company’s internal control over financial reporting.

See “Management’s Report” included in Item 8 of this Annual Report on Form 10-K for management’s report on the adequacy of internal control over financial reporting.

ITEM 9B – OTHER INFORMATION

During the quarter ended December 31, 2024, none of the Company's directors or officers (as defined in Rule 16a-1(f) of the Exchange Act) adopted ,

modified or terminated a “Rule 10b5-1 trading arrangement” or a “non-Rule 10b5-1 trading arrangement” (as each term is defined in

Item 408 of Regulation S-K).

During the quarter ended December 31, 2025 , none of the Company's directors or officers (as defined in Rule 16a - 1 (f) of the Exchange Act) adopted, modified or terminated a “Rule 10b5 - 1 trading arrangement” or a “non-Rule 10b5 - 1 trading arrangement” (as each term is defined in Item 408 of Regulation S-K).

ITEM 9C – DISCLOSURE REGARDING FOREIGN JURISDICTIONS THAT PREVENT INSPECTIONS

1 unchanged sentence

ITEM 10 – DIRECTORS, EXECUTIVE OFFICERS, AND CORPORATE GOVERNANCE

“Executive Officers,” “Security Ownership of Certain Beneficial Owners and Management,” “Executive Compensation” “Report of Audit Committee,” and “Nomination and Election of Directors.” Item 405 of Regulation S-K calls for disclosure of any

known late filing or failure by an insider to file a report required by Section 16(a) of the Exchange Act.

To the extent disclosure for delinquent reports is being made, it can be found in, and is incorporated herein by reference to, the section

of the Company’s proxy statement for its 2025 Annual Meeting of Shareholders entitled “Delinquent Section 16(a) Reports”.

The information called for by this item with respect to director and executive officer information is incorporated by reference herein from the sections of the Company’s proxy statement for its 2026 Annual Meeting of Shareholders entitled “Executive Officers,” “Security Ownership of Certain Beneficial Owners and Management,” “Executive Compensation” “Report of Audit Committee,” and “Proposal 1 Nomination and Election of Directors.” Item 405 of Regulation S-K calls for disclosure of any known late filing or failure by an insider to file a report required by Section 16 (a) of the Exchange Act.

To the extent disclosure for delinquent reports is being made, it can be found in, and is incorporated herein by reference to, the section of the Company’s proxy statement for its 2026 Annual Meeting of Shareholders entitled “Delinquent Section 16 (a) Reports”.

The information required by Item 10 regarding our insider trading policies is incorporated by reference from the section entitled “Securities Trading Guidelines” in the Company’s proxy statement for its 2026 Annual Meeting of Shareholders.

Refer to Exhibit 19.1 The Company's Insider Trading Policy and Exhibit 14.1 The Company's Code of Conduct to this Annual Report on Form 10-K.

Refer to Exhibit 19.1 The Company's Insider Trading Policy and Exhibit 14.1 The Company's Code of Conduct in this Annual Report on Form 10 -K.

The Company has adopted a Code of Conduct, which complies with the Code of Ethics requirements of the Securities and Exchange Commission.

A copy of the Code of Conduct is posted on the “Investor Relations” page of the Company’s website, or is

available, without charge, upon the written request of any shareholder directed to Devon Camara-Soucy, Corporate Secretary, First Northern Community Bancorp, 195 North First Street, Dixon, California 95620.

The Company intends to satisfy the

disclosure requirements under Item 5.05 of Form 8-K regarding amendment to, and waivers from any provision of, the Code of Conduct by posting such information on the “Investor Relations” page of its website, at www.thatsmybank.com.

A copy of the Code of Conduct is posted on the “Investor Relations” page of the Company’s website, or is available, without charge, upon the written request of any shareholder directed to Devon Camara-Soucy, Corporate Secretary, First Northern Community Bancorp, 195 North First Street, Dixon, California 95620.

The Company intends to satisfy the disclosure requirements under Item 5.05 of Form 8 -K regarding amendment to, and waivers from any provision of, the Code of Conduct by posting such information on the “Investor Relations” page of its website, at www.thatsmybank.com.

The Company’s website address is www.thatsmybank.com.

ITEM 11 - EXECUTIVE COMPENSATION

The information called for by this item is incorporated by reference herein from the sections of the Company’s proxy statement for its 2025 Annual Meeting of Shareholders entitled “Nomination and Election of Directors,” “Transactions with

Related Persons,” “Director Compensation,” and “Executive Compensation.”

The information called for by this item is incorporated by reference herein from the sections of the Company’s proxy statement for its 2026 Annual Meeting of Shareholders entitled “Proposal 1 Nomination and Election of Directors,” “Transactions with Related Persons,” “Director Compensation,” and “Executive Compensation.”

ITEM 12 - SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS

entitled “Security Ownership of Certain Beneficial Owners and Management” and “Nomination and Election of Directors.”

Information concerning ownership of the equity stock of the Company by certain beneficial owners and management is incorporated herein by reference from the sections of the Company’s proxy statement for the 2026 Annual Meeting of Shareholders entitled “Security Ownership of Certain Beneficial Owners and Management” and “Proposal 1 Nomination and Election of Directors.”

Stock Purchase Equity Compensation Plan Information

The following table shows the Company’s equity compensation plans approved by security holders.

The table also indicates the number of securities to be issued upon exercise of outstanding options, weighted-average exercise price of

outstanding options, non-vested restricted stock and the number of securities remaining available for future issuance under the Company’s equity compensation plans as of December 31, 2024.

All amounts have been adjusted to give retroactive

effect to stock dividends and stock splits, including the 5% stock dividend declared on January 23, 2025, payable on March 25, 2025 to shareholders of record as of February 28, 2025.

The plans included in this table are the Company’s 2006 Stock

Incentive Plan and 2016 Stock Incentive Plan.

The table also indicates the number of securities to be issued upon exercise of outstanding options, weighted-average exercise price of outstanding options, non-vested restricted stock and the number of securities remaining available for future issuance under the Company’s equity compensation plans as of December 31, 2025.

All amounts have been adjusted to give retroactive effect to stock dividends and stock splits, including the 5% stock dividend declared on January 22, 2026, payable on March 25, 2026 to shareholders of record as of February 27, 2026.

The plan included in this table is the Company’s 2016 Stock Incentive Plan.

See "Stock Compensation Plans" in Note 15 of the Notes to Consolidated Financial Statements included in this Annual Report on Form 10-K.

Plan category

Number of securities

to be issued upon

outstanding options,

warrants and rights

Weighted-average

exercise price of

options, warrants

securities to be

restricted stock

average grant

date fair value

of restricted

Number of securities

remaining available for future

issuance under equity

compensation plans

(excluding securities reflected

in the first column)

Number of securities to be issued upon exercise of outstanding options, warrants and rights

Weighted-average exercise price of outstanding options, warrants and rights

Number of securities to be issued upon vesting of restricted stock

Weighted-average grant date fair value of restricted stock

Number of securities remaining available for future issuance under equity compensation plans (excluding securities reflected in the first column)

Equity compensation plans approved by security holders

1 unchanged sentence

ITEM 13 - CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS AND DIRECTOR INDEPENDENCE

The information called for by this item is incorporated herein by reference from the sections of the Company’s proxy statement for its 2025 Annual Meeting of Shareholders entitled “Director Independence” and “Transactions with Related

The information called for by this item is incorporated herein by reference from the sections of the Company’s proxy statement for its 2026 Annual Meeting of Shareholders entitled “Director Independence” and “Transactions with Related Persons.”

ITEM 14 – PRINCIPAL ACCOUNTANT FEES AND SERVICES

4 unchanged sentences

(a)(2) Financial Statement Schedules:

All schedules to the Company’s Consolidated Financial Statements are omitted because of the absence of the conditions under which they are required or because the required information is included in

the Consolidated Financial Statements or accompanying notes.

(a)(3) Exhibits:

The following is a list of all exhibits filed as part of this Annual Report on Form 10-K:

Exhibit Number

Amended Articles of Incorporation of the Company – incorporated herein by

reference to Exhibit 3.01 to the Company’s Quarterly Report on Form 10-Q for the quarter ended June 30, 2023

Amended and Restated Bylaws of the Company (as amended) – incorporated herein

by reference to Exhibit 3.1 to the Company’s Current Report on Form 8-K dated January 27, 2022

Description of the Registrant’s Common Stock – incorporated herein by reference

to Exhibit 4.1 to the Company's Annual Report for the year ended December 31, 2019

First Northern Community Bancorp 2000 Stock Option Plan – incorporated

herein by reference to Exhibit 4.1 of the Company’s Registration Statement on Form S-8 dated May 25, 2000*

Amended Articles of Incorporation of the Company – incorporated herein by reference to Exhibit 3.1 to the Company’s Quarterly Report on Form 10-Q for the quarter ended June 30, 2023

Amended and Restated Bylaws of the Company (as amended) – incorporated herein by reference to Exhibit 3.1 to the Company’s Current Report on Form 8-K dated January 22, 2026

Description of the Registrant’ s Common Stock – incorporated herein by reference to Exhibit 4.1 to the Company's Annual Report for the fiscal year ended December 31, 2019

First Northern Community Bancorp 2000 Stock Option Plan – incorporated herein by reference to Exhibit 4.1 of the Company’s Registration Statement on Form S-8 dated May 25, 2000*

First Northern Community Bancorp Outside Directors 2000 Non-statutory Stock Option Plan – incorporated herein by reference to Exhibit 4.3 of the Company’s Registration Statement dated Form S-8 on May 25, 2000*

Amended First Northern Community Bancorp Employee Stock Purchase Plan – incorporated

herein by reference to Appendix B of the Company’s Definitive Proxy Statement on Schedule 14A for its 2006 Annual Meeting of Shareholders*

First Northern Community Bancorp 2000 Stock Option Plan Forms “Incentive Stock Option Agreement” and

“Notice of Exercise of Stock Option” – incorporated herein by reference to Exhibit 4.2 of the Company’s Registration Statement on Form S-8 dated May 25, 2000*

First Northern Community Bancorp 2000 Outside Directors 2000 Non-statutory Stock Option Plan Forms

“Non-statutory Stock Option Agreement” and “Notice of Exercise of Stock Option” – incorporated herein by reference to Exhibit 4.4 of the Company’s Registration Statement on Form S-8 dated May 25, 2000*

First Northern Community Bancorp 2000 Employee Stock Purchase Plan Forms “Participation Agreement” and

“Notice of Withdrawal” – incorporated herein by reference to Exhibit 4.6 of the Company’s Registration Statement on Form S-8 dated May 25, 2000*

Amended First Northern Community Bancorp Employee Stock Purchase Plan – incorporated herein by reference to Appendix B of the Company’s Definitive Proxy Statement on Schedule 14A for its 2006 Annual Meeting of Shareholders*

First Northern Community Bancorp 2000 Stock Option Plan Forms “ Incentive Stock Option Agreement ” and “ Notice of Exercise of Stock Option ” – incorporated herein by reference to Exhibit 4.2 of the Company’s Registration Statement on Form S-8 dated May 25, 2000*

First Northern Community Bancorp 2000 Outside Directors 2000 Non-statutory Stock Option Plan Forms “ Non-statutory Stock Option Agreement ” and “ Notice of Exercise of Stock Option ” – incorporated herein by reference to Exhibit 4.4 of the Company’s Registration Statement on Form S-8 dated May 25, 2000*

First Northern Community Bancorp 2000 Employee Stock Purchase Plan Forms “ Participation Agreement ” and “ Notice of Withdrawal ” – incorporated herein by reference to Exhibit 4.6 of the Company’s Registration Statement on Form S-8 dated May 25, 2000*

Form of Director Retirement and Split Dollar Agreements between First Northern Bank of Dixon and Lori J.

Aldrete, Frank J.

Andrews Jr., John M.

3 unchanged sentences

McNaughton, William Jones, Jr.

and David Schulze – incorporated herein by reference to Exhibit 10.11 to

Company’s Annual Report on Form 10-K for the year ended December 31, 2001*

and David Schulze – incorporated herein by reference to Exhibit 10.11 to Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2001*

Amended Form of Director Retirement and Split Dollar Agreements between First Northern Bank of Dixon and Lori J.

5 unchanged sentences

McNaughton, William Jones, Jr.

and David Schulze – incorporated herein by reference to Exhibit 10.13 to the Company’s Annual Report on Form 10-K for the year ended December 31, 2004*

First Northern Bancorp 2006 Stock Incentive Plan – incorporated by reference to

Appendix A of the Company’s Definitive Proxy Statement on Schedule 14A for its 2006 Annual Meeting of Shareholders*

First Northern Bank Annual Incentive Compensation Plan – incorporated herein by

reference to Exhibit 10.18 to the Company’s Annual Report on Form 10-K for the year ended December 31, 2006*

First Northern Community Bancorp 2006 Stock Option Plan Forms “Stock Option Agreement” and “Notice of Exercise

of Stock Option” – incorporated herein by reference to Exhibit 10.20 to the Company’s Annual Report for the year ended December 31, 2009 *

and David Schulze – incorporated herein by reference to Exhibit 10.13 to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2004*

First Northern Bancorp 2006 Stock Incentive Plan – incorporated by reference to Appendix A of the Company’s Definitive Proxy Statement on Schedule 14A for its 2006 Annual Meeting of Shareholders*

First Northern Bank Annual Incentive Compensation Plan – incorporated herein by reference to Exhibit 10.18 to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2006*

First Northern Community Bancorp 2006 Stock Option Plan Forms “ Stock Option Agreement ” and “ Notice of Exercise of Stock Option ” – incorporated herein by reference to Exhibit 10.20 to the Company’s Annual Report for the fiscal year ended December 31, 2009 *

First Northern Community Bancorp 2006 Stock Incentive Plan “ Restricted Stock Agreement – incorporated by reference to Exhibit 10.21 to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2009 *

First Northern Bancorp Amended and Restated 2016 Stock Incentive Plan – incorporated by reference to Appendix A

of the Company’s Definitive Proxy Statement on Schedule 14A for its 2021 Annual Meeting of Shareholders*.

First Northern Bancorp 2016 Employee Stock Purchase Plan – incorporated by reference to Appendix B of the

Company’s Definitive Proxy Statement on Schedule 14A for its 2015 Annual Meeting of Shareholders*.

Amended and Restated Executive Deferral Plan of First Northern Bank effective July 20, 2017 – incorporated herein by reference to Exhibit 10.26 of the Company’s Quarterly Report on Form 10-Q for the

quarter-ended September 30, 2017*

First Northern Bancorp Amended and Restated 2016 Stock Incentive Plan – incorporated by reference to Appendix A of the Company’s Definitive Proxy Statement on Schedule 14A for its 2021 Annual Meeting of Shareholders*.

First Northern Bancorp 2016 Employee Stock Purchase Plan – incorporated by reference to Appendix B of the Company’s Definitive Proxy Statement on Schedule 14A for its 2015 Annual Meeting of Shareholders*.

Executive Retirement/Retention Participation Agreement for Jeremiah Z.

incorporated herein by reference to Exhibit 10.28 of the Company’s Quarterly Report on Form 10-Q for the quarter-ended September 30, 2017*

Smith – incorporated herein by reference to Exhibit 10.28 of the Company’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2017*

Form of Supplemental Executive Retirement Plan Agreement between First Northern Bank of Dixon and Jeremiah Z.

Smith – incorporated herein by reference to Exhibit 10.29 of the Company’s Quarterly Report on Form 10-Q for the quarter ended March 31, 2018*

Form of Supplemental Executive Retirement Plan Agreement between First Northern Bank of Dixon and Kevin Spink,

Executive Vice President and Chief Financial Officer.

Form of Supplemental Executive Retirement Plan Agreement between First Northern Bank of Dixon and Kevin Spink, Executive Vice President and Chief Financial Officer.

– incorporated herein by reference to Exhibit 10.30 of the Company’s Quarterly Report on Form 10-Q for the quarter ended March 31, 2018*

Change of Control Agreement between First Northern Bank of Dixon and Jeffrey Adamski, Executive Vice President

and Senior Loan Officer.

Change of Control Agreement between First Northern Bank of Dixon and Jeffrey Adamski, Executive Vice President and Senior Loan Officer.

– incorporated herein by reference to Exhibit 10.32 of the Company’s Quarterly Report on Form 10-Q for the quarter ended March 31, 2018*

Executive Retirement/Retention Participation Agreement for Jeffrey Adamski, Executive Vice President and Senior

Loan Officer.

Executive Retirement/Retention Participation Agreement for Jeffrey Adamski, Executive Vice President and Senior Loan Officer.

– incorporated herein by reference to Exhibit 10.33 of the Company’s Quarterly Report on Form 10-Q for the quarter ended March 31, 2018*

Change of Control Agreement between First Northern Bank of Dixon and Denise Burris, Executive Vice

President and Chief Information Officer - incorporated herein by reference to Exhibit 10.36 of the Company's Quarterly Report on Form 10-Q for the quarter-ended June 30, 2021*

Executive Retirement/Retention Participation Agreement for Denise Burris, Executive Vice President and

Chief Information Officer - incorporated herein by reference to Exhibit 10.37 of the Company's Quarterly Report on Form 10-Q for the quarter-ended June 30, 2021*

Change of Control Agreement between First Northern Bank of Dixon and Denise Burris, Executive Vice President and Chief Information Officer - incorporated herein by reference to Exhibit 10.36 of the Company's Quarterly Report on Form 10-Q for the quarter ended June 30, 2021*

Executive Retirement/Retention Participation Agreement for Denise Burris, Executive Vice President and Chief Information Officer - incorporated herein by reference to Exhibit 10.37 of the Company's Quarterly Report on Form 10-Q for the quarter ended June 30, 2021*

Employment Agreement for Jeremiah Z.

Smith, President and Chief Executive Officer, entered into between First

Northern Bank of Dixon and Mr.

Smith, President and Chief Executive Officer, entered into between First Northern Bank of Dixon and Mr.

Smith as of January 1, 2023 - incorporated herein by reference to Exhibit 10.1 of the Company's Form 8-K/A dated December 26, 2022*

First Amendment to Executive Retirement/Retention Participation Agreement for Jeremiah Z.

Smith, President and

Chief Executive Officer, effective January 1, 2023 - incorporated herein by reference to Exhibit 10.2 of the Company's Form 8-K/A dated December 26, 2022*

Smith, President and Chief Executive Officer, effective January 1, 2023 - incorporated herein by reference to Exhibit 10.2 of the Company's Form 8-K/A dated December 26, 2022*

First Amendment to the Participation Agreement of the Supplemental Executive Retirement Plan for Jeremiah Z.

Smith, President and Chief Executive Officer, effective January 1, 2023 - incorporated herein by reference to Exhibit 10.3 of

the Company's Form 8-K/A dated December 26, 2022*

Employment Agreement for Kevin Spink, Executive Vice President and Chief Financial

Officer, between First Northern Bank of Dixon and Mr.

Spink dated as of February 27, 2024 - incorporated herein by reference to Exhibit 10.40 of the Company's Form 10K dated March 8, 2024*

Supplemental Executive Retirement Plan 2006 - incorporated herein by reference to

Exhibit 10.41 of the Company's Form 10K dated March 8, 2024*

Supplemental Executive Retirement Plan First Amendment 2009 - incorporated herein by

reference to Exhibit 10.42 of the Company's Form 10K dated March 8, 2024*

Supplemental Executive Retirement Plan Second Amendment 2022 - incorporated herein by

reference to Exhibit 10.43 of the Company's Form 10K dated March 8, 2024*

Employment Agreement for Brett Hamilton, Executive Vice President and Chief Credit

Officer, between First Northern Bank and Mr.

Hamilton dated as of April 1, 2024 - incorporated herein by reference to Exhibit 10.44 of the Company's Form 10Q dated May 9, 2024*

The Company's Code of Conduct – provided herewith

Smith, President and Chief Executive Officer, effective January 1, 2023 - incorporated herein by reference to Exhibit 10.3 of the Company's Form 8-K/A dated December 26, 2022*

Employment Agreement for Kevin Spink, Executive Vice President and Chief Financial Officer, between First Northern Bank of Dixon and Mr.

Spink dated as of February 27, 2024 - incorporated herein by reference to Exhibit 10.40 of the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2023*

Supplemental Executive Retirement Plan 2006 - incorporated herein by reference to Exhibit 10.41 of the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2023*

Supplemental Executive Retirement Plan First Amendment 200 9 - incorporated herein by reference to Exhibit 10.42 of the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2023*

Supplemental Executive Retirement Plan Second Amendment 2022 - incorporated herein by reference to Exhibit 10.43 of the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2023*

Employment Agreement for Brett Hamilton, Executive Vice President and Chief Credit Officer, between First Northern Bank and Mr.

Hamilton dated as of April 1, 2024 - incorporated herein by reference to Exhibit 10.44 of the Company's Quarterly Report on Form 10-Q for the quarter ended March 31, 2024*

Executive Retirement/Retention Participation Agreement for Brett Hamilton, Executive Vice President and Chief Credit Officer, between First Northern Bank and Mr.

Hamilton dated as of April 1, 2024 – incorporated herein by reference to Exhibit 10.45 of the Company’s Quarterly Reports on Form 10-Q for the quarter ended September 30, 2025*

Executive Retirement/Retention Participation Agreement for Executive Vice President/Chief Financial Officer Kevin Spink, between First Northern Bank and Mr.

Spink, effective January 6, 2026 – incorporated herein by reference to Exhibit 10.1 of the Company’s Form 8-K dated January 6, 2026*

Supplemental Executive Retirement Plan Participation Agreement for Executive Vice President/Chief Credit Officer Brett Hamilton, between First Northern Bank and Mr.

Hamilton, effective January 6, 2026 – incorporated herein by reference to Exhibit 10.2 of the Company’s Form 8-K dated January 6, 2026*

First Northern Community Bancorp 2026 Stock Incentive Plan – incorporated herein by reference to Exhibit 10.1 of the Company’s Quarterly Reports on Form 10-Q for the quarter ended June 30, 2025*

First Northern Community Bancorp 2026 Employee Stock Purchase Plan – incorporated herein by reference to Exhibit 10.2 of the Company’s Form 10-Q for the quarter ended June 30, 2025*

First Northern Community Bancorp 2026 Stock Incentive Plan Form of Restricted Stock Award Agreement – provided herewith*

The Company's Code of Conduct – incorporated herein by reference to Exhibit 14.1 of the Company's Form 10K dated March 7, 2025

The Company's Insider Trading Policy – included in Exhibit 14.1

14 unchanged sentences

** In accordance with Item 601(b)(32)(ii) of Regulation S-K and SEC Release No.

34-47986, the certifications furnished in Exhibits 32.1 and 32.2 hereto are deemed to accompany this Form 10-K and will not be deemed

“filed” for purposes of Section 18 of the Exchange Act.

34-47986, the certifications furnished in Exhibits 32.1 and 32.2 hereto are deemed to accompany this Form 10-K and will not be deemed “filed” for purposes of Section 18 of the Exchange Act.

Such certifications will not be deemed to be incorporated by reference into any filing under the Securities Act or the Exchange Act.

1 unchanged sentence

Not applicable.

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934 the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly

authorized, on March 7, 2025.

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934 the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized, on March 12, 2026.

FIRST NORTHERN COMMUNITY BANCORP

2 unchanged sentences

(Principal Executive Officer)

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated.

/s/ Jeremiah Z.

6 unchanged sentences

(Principal Financial Officer and Principal Accounting Officer)

/s/ RICHARD A.

March 12, 2026

/s/ PATRICK R.

Director and Chairman of the Board

March 12, 2026

Director and Vice Chairman of the Board

March 12, 2026

6 unchanged sentences

/s/ RICHARD M.

Director and Vice Chairman of the Board

March 12, 2026

Director and Chairman of the Board

March 12, 2026

/s/ JEAN-LUC SERVAT

March 12, 2026

Jean-Luc Servat

/s/ LOUISE A.

1 unchanged sentence

Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.

What changed 10-K

Item 9A. Controls and Procedures