FNRN (First Northern Community Bancorp) LT-Debt-to-Total-Asset: 0.00 (As of Mar. 2026)

What is First Northern Community Bancorp LT-Debt-to-Total-Asset?

First Northern Community Bancorp FNRN +2.01% 57 LT-Debt-to-Total-Asset is 0.00 as of Mar. 2026. GuruFocus rates FNRN with a GF Score™ of 57/100 and a GF Value™ of $9.98 (Significantly Overvalued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. First Northern Community Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.00.

First Northern Community Bancorp's long-term debt to total assets ratio stayed the same from Mar. 2025 (0.00) to Mar. 2026 (0.00).

First Northern Community Bancorp (NAS:FNRN) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

First Northern Community Bancorp LT-Debt-to-Total-Asset Related Terms

First Northern Community Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for First Northern Community Bancorp's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First Northern Community Bancorp LT-Debt-to-Total-Asset Chart

First Northern Community Bancorp Annual Data

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LT-Debt-to-Total-Asset

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0.00

First Northern Community Bancorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.00	0.00	0.00	0.00	0.00

57GF Score

First Northern Community Bancorp FNRN

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First Northern Community Bancorp LT-Debt-to-Total-Asset Calculation

First Northern Community Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	0	/	1910.95
	=	0.00

First Northern Community Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	0	/	1924.548
	=	0.00

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.00 mean?

First Northern Community Bancorp (FNRN) has a LT-Debt-to-Total-Asset of 0.00 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on First Northern Community Bancorp and its competitors.

Is First Northern Community Bancorp's LT-Debt-to-Total-Asset too high?

First Northern Community Bancorp's current LT-Debt-to-Total-Asset is 0.00. Overall, First Northern Community Bancorp has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does First Northern Community Bancorp's LT-Debt-to-Total-Asset compare to WNEB and CCFN?

First Northern Community Bancorp's LT-Debt-to-Total-Asset of 0.00 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on First Northern Community Bancorp and its competitors. First Northern Community Bancorp's current LT-Debt-to-Total-Asset is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is First Northern Community Bancorp stock overvalued right now?

Based on GuruFocus' analysis, First Northern Community Bancorp (FNRN) is currently considered Significantly Overvalued. The stock's GF Value™ is $9.98, compared to a current price of $17.97 — trading 80.1% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.00. First Northern Community Bancorp's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For First Northern Community Bancorp (FNRN), the current LT-Debt-to-Total-Asset is 0.00 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is First Northern Community Bancorp (FNRN) Overvalued in 2026?

Based on GuruFocus' analysis, First Northern Community Bancorp stock appears to be overvalued. The current stock price of $17.97 is trading 80.1% above its estimated GF Value™ of $9.98. GuruFocus considers First Northern Community Bancorp to be Significantly Overvalued.

Key valuation signals for FNRN:

LT-Debt-to-Total-Asset: 0.00
GF Value™: $9.98 vs. price of $17.97 (80.1% above fair value)
GF Score™: 57/100 with 6 warning signs

No single metric tells the full story. See the FNRN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

First Northern Community Bancorp Business Description

Industry Financial Services Banks

Comparable Companies WNEB CCFN FUNC NASB ISBA EXSR LRBI VLNT OVLY FRAF SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 195 North First Street, Dixon, CA, USA, 95620

Website https://www.thatsmybank.com

First Northern Community Bancorp is a bank holding company for a community bank, First Northern Bank of Dixon. It conducts general banking activities, including collecting deposits and originating loans, and serves Solano, Yolo, Sacramento, Placer, El Dorado, and Contra Costa Counties. It offers a broad range of alternative investment products and services, equipment leasing, credit cards, merchant card processing, payroll services, and limited international banking services. The bank generates the majority of its revenue by providing various products and services to small and medium-sized businesses and individuals. including accepting demand, interest bearing transaction, savings, and time deposits, and making commercial, consumer, and real estate-related loans.

57GF Score

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$17.97

Price

$9.98

GF Value

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