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First Northern Bank of Dixon

Dixon, CA · Cert 3440 · First Northern Community Bcorp

State charter, non-member · FDIC · 17 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

81

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

6

Q2 2024Q2 2026peer median

Efficiency

51

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Northern Bank of Dixon

Dixon, CA · Cert 3440 · First Northern Community Bcorp

State charter, non-member · FDIC · 17 branches

Q2 2026

$1.9BAssets
$1.1BLoans
$1.7BDeposits
$216.1MEquity
Loan mix
86%RE $882.4M14%C&I $146.5M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $1.1B37%Noninterest $0.6BQ2 2025Q2 2026

NIM

4.00%Q2 ’244.25%Q2 ’254.29%Q2 ’26+6%+1%

Non-interest income vs. expense

2.24%Q2 ’242.37%Q2 ’252.32%Q2 ’26+6%-4%

Market Position · Sacramento-Roseville-Folsom, CA · 2026 SOD (annual) · 1.2% share · #10 of 37 inst. · $1.1B of $96.6B

16.4% Yolo
6.7% Solano
1.2% Placer
0.2% Sacramento

Executive Summary

  • Earnings: ROA of 1.13%, up 15 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.41% of loans (-41 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 11.95%, up 68 bps from a year ago.
  • Funding: loans stand at 65.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.13%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.52%+3 bps YoY

Efficiency Ratio (YTD, annualized)

58.49%-244 bps YoY

Tier 1 Leverage Ratio

11.95%+68 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%1.09%1.13%1.25%1.13%+15 bps
Return on Equity10.09%10.85%11.09%11.32%10.24%+15 bps
Net Interest Margin3.50%3.49%3.47%3.55%3.52%+3 bps
Efficiency Ratio60.92%61.54%61.09%56.40%58.49%-244 bps
Non-Interest Burden2.04%2.05%2.03%1.89%1.95%-9 bps
Growth
Asset Growth (YoY)-0.86%-1.18%1.02%2.60%2.91%+377 bps
Loan Growth (YoY)1.23%1.22%0.21%2.05%2.57%+134 bps
Deposit Growth (YoY)-2.63%-2.68%-1.18%1.06%1.62%+426 bps
Asset Quality
Nonperforming Loans / Loans0.82%0.63%0.57%0.46%0.41%-41 bps
Net Charge-Offs / Loans0.03%0.09%0.08%0.04%0.12%+9 bps
Allowance / Loans1.49%1.46%1.36%1.37%1.34%-16 bps
Allowance Coverage of NPLs1.8x2.3x2.4x3.0x3.2x+1.4x
Capital
Tier 1 Leverage Ratio11.27%11.47%11.35%11.71%11.95%+68 bps
Total Risk-Based Capital18.12%18.60%18.88%19.08%18.97%+85 bps
Equity / Assets10.27%10.65%10.97%11.04%11.22%+95 bps
Liquidity & Funding
Loans / Deposits64.82%63.50%63.35%63.66%65.42%+60 bps
Liquid Assets / Assets5.80%6.71%6.78%6.12%4.87%-92 bps
CRE / Total Capitaln/a328%320%309%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Northern Bank of Dixon

Dixon, CA · Cert 3440 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · First Northern Community Bcorp

State charter, non-member · FDIC · 17 branches

Q2 2026

$1.9BAssets
$1.1BLoans
$1.7BDeposits
$216.1MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 89% of banks $1B-$10B in assets operating in a single state (rank 28 of 258).
  • Widest gap: net charge-offs / loans trails 74% of banks $1B-$10B in assets operating in a single state (rank 192 of 258).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.13%

Rank 145 of 258

Net Interest Margin

3.52%

Rank 122 of 258

Efficiency Ratio

59.80%

Rank 126 of 257

Equity / Assets

11.22%

Rank 91 of 258

Non-interest income vs. expense

$7.2M$45.2MINCOMEEXPENSE
Unfavorable gap of $38.0M · efficiency ratio beats 51% of banks $1B-$10B in assets operating in a single state
Bank 59.80%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%0.93%1.23%1.54%Beats 44%145 / 258
Return on Equity10.08%9.26%11.84%14.74%Beats 34%169 / 258
Net Interest Margin3.52%3.16%3.49%3.88%Beats 53%122 / 258
Efficiency Ratio59.80%51.71%60.30%69.65%Beats 51%126 / 257
Asset Quality
Nonperforming Loans / Loans0.41%0.19%0.46%0.90%Beats 53%122 / 258
Net Charge-Offs / Loans0.07%0.01%0.02%0.07%Beats 26%192 / 258
Capital
Tier 1 Capital Ratio17.75%11.41%12.98%15.12%Beats 88%30 / 258
Total Risk-Based Capital Ratio18.97%12.10%13.91%16.08%Beats 89%28 / 258
Equity / Assets11.22%9.09%10.24%11.72%Beats 65%91 / 258
Liquidity & Funding
Loans / Deposits65.42%73.24%86.34%95.95%12th pctl226 / 258
Loans / Assets57.49%63.01%72.27%78.40%15th pctl219 / 258
Brokered Deposits / Depositsn/aNot reported for this institution