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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 income for Q4 2025 was $382,000, down from $802,000 in Q3 2025 but improved from a $2.8 million loss in Q4 2024. Basic and diluted EPS were $0.04, compared to $0.09 in Q3 2025 and a loss of $0.32 in Q4 2024.
Management is focused on efficiency, strengthening core deposits, and high-quality loan growth for 2026.
The Bellevue branch will close in April 2026, expected to reduce annual operating expenses by $900,000.
No dividend was declared for the quarter, reflecting a disciplined capital management approach.
Financial highlights
Net interest margin rose to 3.00% in Q4 2025 from 2.91% in Q3 2025 and 2.73% in Q4 2024, marking six consecutive quarters of improvement.
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 $681,000 in branch closure costs.
Outlook and guidance
Management expects to build on 2025 momentum, focusing on operational efficiency, core deposit growth, and relationship-based lending.
Nonperforming loan increase and ACLL coverage
When will Bellevue branch savings fully impact P&L
Deposit trends and future funding mix strategy
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Next First Northwest Bancorp earnings date
Q1 202623 Apr, 2026
First Northwest Bancorp
Next First Northwest Bancorp earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
First Northwest Bancorp is the holding company for First Fed Bank, offering a broad range of banking services primarily in the Pacific Northwest. The company provides personal and business banking solutions, including checking and savings accounts, home and commercial loans, and credit options. Through its subsidiary, First Fed Bank, it also offers digital banking services, treasury management, and investment products to support both individual and commercial financial goals. The company is headquartered in Port Angeles, Washington, and its shares are listed on the NASDAQ.
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