Dixon, CA · Cert 3440 · First Northern Community Bcorp
State charter, non-member · FDIC · 17 branches
Q2 2026
Market Position · Sacramento-Roseville-Folsom, CA · 2026 SOD (annual) · 1.2% share · #10 of 37 inst. · $1.1B of $96.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.23% | 0.79% | 1.19% | 1.29% | 1.26% | 1.25% | 1.02% | -17 bps | |
| Return on Equity | 12.94% | 13.29% | 8.25% | 11.84% | 12.30% | 11.70% | 11.32% | 9.18% | -266 bps | |
| Net Interest Margin | 3.43% | 3.38% | 3.36% | 3.60% | 3.54% | 3.65% | 3.55% | 3.50% | -10 bps | |
| Efficiency Ratio | 58.93% | 55.61% | 65.08% | 57.01% | 62.73% | 59.81% | 56.40% | 60.58% | +357 bps | |
| Non-Interest Burden | 1.92% | 1.78% | 2.11% | 1.95% | 2.12% | 2.09% | 1.89% | 2.02% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.49% | 1.05% | -0.62% | -0.86% | -1.18% | 1.02% | 2.60% | 2.91% | +377 bps | |
| Loan Growth (YoY) | 0.49% | -0.59% | -0.54% | 1.23% | 1.22% | 0.21% | 2.05% | 2.57% | +134 bps | |
| Deposit Growth (YoY) | -0.76% | 0.44% | -1.91% | -2.63% | -2.68% | -1.18% | 1.06% | 1.62% | +426 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 1.06% | 1.32% | 0.82% | 0.63% | 0.57% | 0.46% | 0.41% | -41 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.13% | -0.02% | 0.08% | 0.20% | 0.07% | 0.04% | 0.20% | +12 bps | |
| Allowance / Loans | 1.55% | 1.49% | 1.56% | 1.49% | 1.46% | 1.36% | 1.37% | 1.34% | -16 bps | |
| Allowance Coverage of NPLs | 4.0x | 1.4x | 1.2x | 1.8x | 2.3x | 2.4x | 3.0x | 3.2x | +1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.35% | 10.50% | 10.85% | 11.27% | 11.47% | 11.35% | 11.71% | 11.95% | +68 bps | |
| Total Risk-Based Capital | 17.26% | 17.66% | 17.34% | 18.12% | 18.60% | 18.88% | 19.08% | 18.97% | +85 bps | |
| Equity / Assets | 9.31% | 9.24% | 9.83% | 10.27% | 10.65% | 10.97% | 11.04% | 11.22% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.06% | 62.47% | 63.04% | 64.82% | 63.50% | 63.35% | 63.66% | 65.42% | +60 bps | |
| Liquid Assets / Assets | 7.37% | 4.01% | 4.70% | 5.80% | 6.71% | 6.78% | 6.12% | 4.87% | -92 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 328% | 320% | 309% | n/a | n/a | |