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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 75thStandingRank8-Qtr TrendPeer 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