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  <xsd:element abstract="true" id="fnwb_CorporateIssuedAssetbackedSecuritiesMember" name="CorporateIssuedAssetbackedSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_DebtInstrumentMinimumAverageDemandDepositAccountBalance" name="DebtInstrumentMinimumAverageDemandDepositAccountBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fnwb_DebtInstrumentNotesDue2031Member" name="DebtInstrumentNotesDue2031Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_DepositsFundsHeldByFederallyRecognizedTribes" name="DepositsFundsHeldByFederallyRecognizedTribes" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="fnwb_DepositsPublicFund" name="DepositsPublicFund" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="fnwb_DividendIncomeOperatingFederalHomeLoanBank" name="DividendIncomeOperatingFederalHomeLoanBank" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_DocumentAndEntityInformation" name="DocumentAndEntityInformation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_EmployeeStockOwnershipPlanEsopCompensationExpenseNetOfDividendsReceived" name="EmployeeStockOwnershipPlanEsopCompensationExpenseNetOfDividendsReceived" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_EmployeeStockOwnershipPlanEsopDebtStructureAmortizationPeriod" name="EmployeeStockOwnershipPlanEsopDebtStructureAmortizationPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_EmployeeStockOwnershipPlanEsopDebtStructureEstimatedInterestRate" name="EmployeeStockOwnershipPlanEsopDebtStructureEstimatedInterestRate" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="fnwb_EmployeeStockOwnershipPlanEsopPrincipalAndInterestPaymentsFromEsop" name="EmployeeStockOwnershipPlanEsopPrincipalAndInterestPaymentsFromEsop" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_FairValueAdjustmentOfSoldLoanServicingRights" name="FairValueAdjustmentOfSoldLoanServicingRights" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_FedFundsBorrowingFacilityMember" name="FedFundsBorrowingFacilityMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_FederalDepositInsuranceCorporationPremiumReturn" name="FederalDepositInsuranceCorporationPremiumReturn" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_FederalHomeLoanBankAdvancesMaximumAvailableCreditToBankAssetsPercentage" name="FederalHomeLoanBankAdvancesMaximumAvailableCreditToBankAssetsPercentage" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fnwb_FederalHomeLoanBankLongtermAdvancesMember" name="FederalHomeLoanBankLongtermAdvancesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_FederalHomeLoanBankOvernightVariablerateAdvancesMember" name="FederalHomeLoanBankOvernightVariablerateAdvancesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_FederalReserveBankAdvancesAvailableAmount" name="FederalReserveBankAdvancesAvailableAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="fnwb_FederalReserveBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged" name="FederalReserveBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="fnwb_FeesAndCommissionsMortgageBankingAndServicingNetOfAmortization" name="FeesAndCommissionsMortgageBankingAndServicingNetOfAmortization" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_FinancingReceivableCreditLossExpenseReversalIncludingUnfundedCommitments" name="FinancingReceivableCreditLossExpenseReversalIncludingUnfundedCommitments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_FinancingReceivableDerivativeBasisAdjustment" name="FinancingReceivableDerivativeBasisAdjustment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="fnwb_FinancingReceivableIndividuallyEvaluatedForCreditLossStillAccruing" name="FinancingReceivableIndividuallyEvaluatedForCreditLossStillAccruing" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="fnwb_FinancingReceivableNonaccrualWithAllowance" name="FinancingReceivableNonaccrualWithAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fnwb_FirstNorthwestBancorp2020EquityIncentivePlanMember" name="FirstNorthwestBancorp2020EquityIncentivePlanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_FundsHeldByFederallyRecognizedTribesMember" name="FundsHeldByFederallyRecognizedTribesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_GasStationMember" name="GasStationMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_IncreaseDecreaseInRightOfUseAsset" name="IncreaseDecreaseInRightOfUseAsset" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_InterestExpenseTimeDepositsBrokered" name="InterestExpenseTimeDepositsBrokered" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_InterestExpenseTimeDepositsRetail" name="InterestExpenseTimeDepositsRetail" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_InterestPayableFairValueDisclosure" name="InterestPayableFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fnwb_InvestmentSecuritiesExcludingMortgageBackedSecuritiesMember" name="InvestmentSecuritiesExcludingMortgageBackedSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_LossContingencyAllegedMisappropriationOfFundsAmount" name="LossContingencyAllegedMisappropriationOfFundsAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fnwb_LossMember" name="LossMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_MultifamilyLoanMember" name="MultifamilyLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_NexBankMember" name="NexBankMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_NoteToFinancialStatementDetailsTextual" name="NoteToFinancialStatementDetailsTextual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_NotesToFinancialStatements" name="NotesToFinancialStatements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_NotesToFinancialStatementsAbstract" name="NotesToFinancialStatementsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_OnetoFourFamilyLoanMember" name="OnetoFourFamilyLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_OtherComprehensiveIncomeLossFairValueHedgeGainLossAfterReclassificationBeforeTax" name="OtherComprehensiveIncomeLossFairValueHedgeGainLossAfterReclassificationBeforeTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_PacificCoastBankersBankMember" name="PacificCoastBankersBankMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_PaymentsForProceedsFromPurchaseSaleOfPropertyPlantAndEquipmentNet" name="PaymentsForProceedsFromPurchaseSaleOfPropertyPlantAndEquipmentNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_PaymentsOfFhlbankBorrowingsFinancingActivitiesLongterm" name="PaymentsOfFhlbankBorrowingsFinancingActivitiesLongterm" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_PaymentsOfFhlbankBorrowingsFinancingActivitiesShortterm" name="PaymentsOfFhlbankBorrowingsFinancingActivitiesShortterm" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_PaymentsToAcquireLoans" name="PaymentsToAcquireLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_PaymentsToAcquireLowincomeHousingTaxCreditPartnerships" name="PaymentsToAcquireLowincomeHousingTaxCreditPartnerships" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_PolicyTable" name="PolicyTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_ProceedsFromFHLBankAdvanceFinancingActivities" name="ProceedsFromFHLBankAdvanceFinancingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_ProceedsFromHistoricTaxCreditPartnerships" name="ProceedsFromHistoricTaxCreditPartnerships" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_ProceedsReceivedToPayDownLien" name="ProceedsReceivedToPayDownLien" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_RealEstatePortfolioSegmentMember" name="RealEstatePortfolioSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_RecaptureOfProvisionForCreditLossesOnUnfundedCommitments" name="RecaptureOfProvisionForCreditLossesOnUnfundedCommitments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_ScheduleOfAvailableForSaleAndHeldToMaturitySecuritiesReconciliationTableTextBlock" name="ScheduleOfAvailableForSaleAndHeldToMaturitySecuritiesReconciliationTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_ScheduleOfInterestOnDepositsLiabilitiesTypeTableTextBlock" name="ScheduleOfInterestOnDepositsLiabilitiesTypeTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_ServicingAssetAtAmortizedCostAdditionsDisposals" name="ServicingAssetAtAmortizedCostAdditionsDisposals" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_ServicingAssetAtAmortizedCostChangeInFairValue" name="ServicingAssetAtAmortizedCostChangeInFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_ServicingAssetAtFairValueAdditionsNet" name="ServicingAssetAtFairValueAdditionsNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_SharebasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledInPeriod" name="SharebasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledInPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledInPeriodWeightedAverageGrantDateFairValue" name="SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledInPeriodWeightedAverageGrantDateFairValue" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_SingleFamilyResidenceMember" name="SingleFamilyResidenceMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_SocotraComplaintMember" name="SocotraComplaintMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_SocotraMember" name="SocotraMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_SoldLoanServicingRightsMember" name="SoldLoanServicingRightsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_SuppliesPostageAndTelephoneExpense" name="SuppliesPostageAndTelephoneExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_The352CapitalMember" name="The352CapitalMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_TheEquityIncentivePlansMember" name="TheEquityIncentivePlansMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_TimeDepositsBrokered" name="TimeDepositsBrokered" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fnwb_TimeDepositsMember" name="TimeDepositsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_TimeDepositsRetail" name="TimeDepositsRetail" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fnwb_USSmallBusinessAdministrationSecuritiesMember" name="USSmallBusinessAdministrationSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_UnearnedESOPSharesCost" name="UnearnedESOPSharesCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fnwb_UnearnedESOPSharesMember" name="UnearnedESOPSharesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_ValuationTechniqueUnderlyingValueOfCollateralMember" name="ValuationTechniqueUnderlyingValueOfCollateralMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_WatchMember" name="WatchMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fnwb_WeightedAverageRateDomesticDepositCertificatesOfDepositBrokered" name="WeightedAverageRateDomesticDepositCertificatesOfDepositBrokered" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="fnwb_WeightedAverageRateDomesticDepositCertificatesOfDepositRetail" name="WeightedAverageRateDomesticDepositCertificatesOfDepositRetail" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-10-stockbased-compensation-nonvested-stock-awards-details" name="statement-statement-note-10-stockbased-compensation-nonvested-stock-awards-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-10-stockbased-compensation-tables" name="statement-statement-note-10-stockbased-compensation-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-11-fair-value-measurement-assets-and-liabilities-measured-at-fair-value-on-a-recurring-basis-details" name="statement-statement-note-11-fair-value-measurement-assets-and-liabilities-measured-at-fair-value-on-a-recurring-basis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-11-fair-value-measurement-assets-measured-at-fair-value-on-a-nonrecurring-basis-details" name="statement-statement-note-11-fair-value-measurement-assets-measured-at-fair-value-on-a-nonrecurring-basis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-11-fair-value-measurement-carrying-values-and-estimated-fair-values-of-financial-instruments-details" name="statement-statement-note-11-fair-value-measurement-carrying-values-and-estimated-fair-values-of-financial-instruments-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-11-fair-value-measurement-changes-in-level-3-assets-details" name="statement-statement-note-11-fair-value-measurement-changes-in-level-3-assets-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-11-fair-value-measurement-quantitative-information-details" name="statement-statement-note-11-fair-value-measurement-quantitative-information-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-11-fair-value-measurements-tables" name="statement-statement-note-11-fair-value-measurements-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-12-change-in-accumulated-other-comprehensive-income-aoci-change-in-accumulated-other-comprehensive-income-details" name="statement-statement-note-12-change-in-accumulated-other-comprehensive-income-aoci-change-in-accumulated-other-comprehensive-income-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-12-change-in-accumulated-other-comprehensive-income-aoci-tables" name="statement-statement-note-12-change-in-accumulated-other-comprehensive-income-aoci-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-13-derivatives-and-hedging-activities-derivatives-details" name="statement-statement-note-13-derivatives-and-hedging-activities-derivatives-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-13-derivatives-and-hedging-activities-derivatives-in-statement-of-financial-position-details" name="statement-statement-note-13-derivatives-and-hedging-activities-derivatives-in-statement-of-financial-position-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-13-derivatives-and-hedging-activities-derivatives-on-the-income-statement-details" name="statement-statement-note-13-derivatives-and-hedging-activities-derivatives-on-the-income-statement-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-13-derivatives-and-hedging-activities-tables" name="statement-statement-note-13-derivatives-and-hedging-activities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-2-securities-amortized-cost-and-estimated-fair-value-of-investment-securities-by-contractual-maturity-details" name="statement-statement-note-2-securities-amortized-cost-and-estimated-fair-value-of-investment-securities-by-contractual-maturity-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-2-securities-amortized-cost-gross-unrealized-gains-and-losses-and-estimated-fair-value-of-securities-details" name="statement-statement-note-2-securities-amortized-cost-gross-unrealized-gains-and-losses-and-estimated-fair-value-of-securities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-2-securities-tables" name="statement-statement-note-2-securities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-2-securities-unrealized-gross-losses-and-fair-value-of-securities-in-a-continuous-loss-position-details" name="statement-statement-note-2-securities-unrealized-gross-losses-and-fair-value-of-securities-in-a-continuous-loss-position-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-3-loans-receivable-collateral-dependent-loans-details" name="statement-statement-note-3-loans-receivable-collateral-dependent-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-3-loans-receivable-credit-quality-indicators-by-class-of-loan-details" name="statement-statement-note-3-loans-receivable-credit-quality-indicators-by-class-of-loan-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-3-loans-receivable-loans-receivable-details" name="statement-statement-note-3-loans-receivable-loans-receivable-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-3-loans-receivable-nonaccrual-loans-by-class-details" name="statement-statement-note-3-loans-receivable-nonaccrual-loans-by-class-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-3-loans-receivable-other-real-estate-activity-details" name="statement-statement-note-3-loans-receivable-other-real-estate-activity-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-3-loans-receivable-past-due-loans-details" name="statement-statement-note-3-loans-receivable-past-due-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-3-loans-receivable-tables" name="statement-statement-note-3-loans-receivable-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-4-allowance-for-credit-losses-on-loans-allowance-for-loan-losses-details" name="statement-statement-note-4-allowance-for-credit-losses-on-loans-allowance-for-loan-losses-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-4-allowance-for-credit-losses-on-loans-tables" name="statement-statement-note-4-allowance-for-credit-losses-on-loans-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-5-deposits-deposits-details" name="statement-statement-note-5-deposits-deposits-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-5-deposits-interest-on-deposits-by-type-details" name="statement-statement-note-5-deposits-interest-on-deposits-by-type-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-5-deposits-maturities-of-certificates-details" name="statement-statement-note-5-deposits-maturities-of-certificates-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-5-deposits-tables" name="statement-statement-note-5-deposits-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-6-borrowings-advances-from-fhlb-details" name="statement-statement-note-6-borrowings-advances-from-fhlb-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-6-borrowings-tables" name="statement-statement-note-6-borrowings-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-8-loss-earnings-per-common-share-components-used-to-compute-basic-and-diluted-earnings-per-share-details" name="statement-statement-note-8-loss-earnings-per-common-share-components-used-to-compute-basic-and-diluted-earnings-per-share-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-8-loss-earnings-per-common-share-tables" name="statement-statement-note-8-loss-earnings-per-common-share-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-9-employee-benefits-shares-issued-to-the-esop-details" name="statement-statement-note-9-employee-benefits-shares-issued-to-the-esop-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-note-9-employee-benefits-tables" name="statement-statement-note-9-employee-benefits-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fnwb_statement-statement-significant-accounting-policies-policies" name="statement-statement-significant-accounting-policies-policies" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
