)
Visual
test
First Northwest Bancorp
First Northwest Bancorp (FNWB) investor relations material
First Northwest Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Net interest margin increased 9 bps sequentially to 3.00% in Q4 2025, driven by lower deposit costs and repricing benefits.
Net income for Q4 2025 was $382,000, down from $843,000 in Q3 2025 but improved from a loss in Q4 2024; EPS was $0.04, down from $0.09 in Q3 2025.
Management is focused on efficiency, strengthening core deposits, and high-quality loan growth for 2026.
Legal expenses declined by $922,000 quarter-over-quarter, aided by a $1.7 million insurance reimbursement related to legal matters.
$681,000 in expenses were recorded for an upcoming Bellevue branch closure in April 2026, expected to reduce annual operating expenses by $900,000.
Financial highlights
Net interest income for Q4 2025 was $14.7 million, up from $14.6 million in Q3 2025 and $14.1 million in Q4 2024.
Total interest income decreased to $26.1 million from $26.9 million in Q3 2025 and $28.2 million in Q4 2024.
Total interest expense fell to $11.5 million from $12.3 million in Q3 2025 and $14.1 million in Q4 2024.
Noninterest income increased by $1.7 million to $3.7 million, mainly due to a $1.7 million insurance reimbursement.
Noninterest expense decreased by $488,000 to $16.9 million, with lower legal fees partially offset by branch closure costs.
Outlook and guidance
$450.8 million of time deposits are set to reprice in the next 12 months, with expected interest expense savings of $821,000 if current rates hold.
Strategic focus for 2026 includes building a resilient core deposit base, growing high-quality loans, and improving process efficiency.
Nonperforming loan increase and ACLL coverage
When will Bellevue branch savings fully impact P&L
Deposit trends and future funding mix strategy
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from First Northwest Bancorp
- Key votes on board elections, governance reforms, and executive pay highlight the 2025 meeting.FNWB
Proxy Filing2 Dec 2025 - Proxy covers director elections, governance reforms, executive pay, and auditor ratification.FNWBProxy Filing2 Dec 2025
- Key votes include director elections, governance changes, executive pay, and auditor ratification.FNWBProxy Filing2 Dec 2025
- Q3 2025 net income was $802,000, with improved margins but higher legal and executive costs.FNWBQ3 20256 Nov 2025
- Q2 net income reached $1.4M, with sale-leaseback gains offset by higher credit loss provisions.FNWBQ2 202416 Oct 2025
- Q2 2025 saw a return to profitability, margin expansion, and ongoing legal and leadership risks.FNWBQ2 20257 Aug 2025
- Q3 2024 net loss driven by credit costs and margin pressure, but capital remains strong.FNWBQ3 202413 Jun 2025
- Q1 2025 results were shaped by credit losses, legal reserves, and strong capital ratios.FNWBQ1 20256 Jun 2025
- Q4 2024 net loss widens, but capital remains strong and asset quality initiatives progress.FNWBQ4 20245 Jun 2025
Next First Northwest Bancorp earnings date
Q1 202623 Apr, 2026
First Northwest Bancorp
Next First Northwest Bancorp earnings date
Q1 202623 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Explore our global coverage