First Northern Community Bancorp
First Northern Community Bancorp operates as the bank holding company for First Northern Bank of Dixon that provides commercial banking products and services to individuals, and small and medium sized businesses. The company accepts demand deposits, interest-bearing transaction deposits, savings and money market deposit accounts, and time deposits. It also offers commercial, commercial real estat… Read more
First Northern Community Bancorp - Asset Resilience Ratio
First Northern Community Bancorp (FNRN) has an Asset Resilience Ratio of 21.35% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2024)
This chart shows how First Northern Community Bancorp's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down First Northern Community Bancorp's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $407.40 Million | 21.35% |
| Total Liquid Assets | $407.40 Million | 21.35% |
Asset Resilience Insights
- Good Liquidity Position: First Northern Community Bancorp maintains a healthy 21.35% of assets in liquid form.
- This level provides good financial flexibility while maintaining productive asset deployment.
- The company has significant short-term investments, indicating active treasury management.
First Northern Community Bancorp Industry Peers by Asset Resilience Ratio
Compare First Northern Community Bancorp's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for First Northern Community Bancorp (2000–2024)
The table below shows the annual Asset Resilience Ratio data for First Northern Community Bancorp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 22.58% | $427.14 Million | $1.89 Billion | -8.00pp |
| 2023-12-31 | 30.58% | $572.36 Million | $1.87 Billion | -2.45pp |
| 2022-12-31 | 33.03% | $618.09 Million | $1.87 Billion | -0.26pp |
| 2021-12-31 | 33.29% | $632.21 Million | $1.90 Billion | +7.01pp |
| 2020-12-31 | 26.28% | $435.08 Million | $1.66 Billion | -0.25pp |
| 2019-12-31 | 26.53% | $342.90 Million | $1.29 Billion | +1.35pp |
| 2018-12-31 | 25.17% | $314.64 Million | $1.25 Billion | +2.12pp |
| 2017-12-31 | 23.06% | $280.74 Million | $1.22 Billion | -0.69pp |
| 2016-12-31 | 23.75% | $277.08 Million | $1.17 Billion | +22.15pp |
| 2015-12-31 | 1.59% | $16.65 Million | $1.04 Billion | -14.19pp |
| 2014-12-31 | 15.79% | $151.23 Million | $957.88 Million | -3.51pp |
| 2013-12-31 | 19.30% | $173.27 Million | $897.67 Million | +13.21pp |
| 2008-12-31 | 6.09% | $40.86 Million | $670.80 Million | -0.52pp |
| 2007-12-31 | 6.61% | $46.94 Million | $709.89 Million | -2.50pp |
| 2006-12-31 | 9.12% | $62.47 Million | $685.23 Million | -4.08pp |
| 2005-12-31 | 13.20% | $87.19 Million | $660.65 Million | -1.33pp |
| 2004-12-31 | 14.52% | $91.31 Million | $628.67 Million | +1.83pp |
| 2003-12-31 | 12.69% | $70.92 Million | $558.71 Million | +9.52pp |
| 2002-12-31 | 3.17% | $15.71 Million | $495.22 Million | -5.33pp |
| 2001-12-31 | 8.51% | $37.42 Million | $439.83 Million | +5.95pp |
| 2000-12-31 | 2.55% | $10.00 Million | $391.63 Million | -- |