First Northern Bank of Dixon
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Data as of · sourced from FFIEC call reports. How we update
First Northern Bank of Dixon is an FDIC-insured commercial bank headquartered in Dixon, CA, established in 1910 (FDIC certificate 3440), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.93B, up 2.9% from Q2 2025, the 45th largest of 113 banks headquartered in California. Its CET1 capital ratio was 17.75% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 3440
- Headquarters
- Dixon, CA
- Established
- 1910
- Total assets, Q2 2026
- $1.93B
- Assets vs Q2 2025
- +2.9%
- CET1 ratio, Q2 2026
- 17.75%
- Domestic offices
- 21 FDIC institution directory, current count
- Routing number
- 121105156
- Latest call report
- Q2 2026, FFIEC 051 · First Northern Bank of Dixon call report
- Holding company
- FIRST NORTHERN COMMUNITY BANCORP
- Asset rank in state
- 45th of 113 in California
First Northern Bank of Dixon, based in Dixon, California, reported $1.9 billion in assets at June 30, 2026, up 2.9% from a year earlier. It pays an average of 0.89% on its deposits and borrowings, about half the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. It also holds common equity equal to 17.75% of its risk-weighted assets, higher than about three-quarters of banks its size (median 13.52%).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.41% of loans from 0.82%. Net income for the quarter slipped 12% from a year earlier, to $4.9 million. Profitability lags: it returns 9.2% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, First Northern Bank of Dixon reported a CET1 capital ratio of 17.75%, a return on assets of 1.01%, a nonperforming-loan ratio of 0.41% and a Texas ratio of 2.56%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Northern Bank of Dixon is the 45th largest of the 113 banks headquartered in California. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.1% to $1.93B, loans rose 2.6% and deposits fell 0.2%. Non-owner-occupied commercial real estate loans made up 39.9% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 13.8%. The FDIC Summary of Deposits lists 17 offices for it, in 14 cities in CA; its Davis 2 offices book 18% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Northern Bank of Dixon meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 195 N 1st St, Dixon, CA 95620
- County
- Solano
- Metro Area
- Vallejo, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 2, 1910
- Domestic offices
- 21 FDIC institution directory, current count
- Employees (FTE)
- 193
- Domestic deposits
- $1.69B
- Allowance for credit losses
- $14.8M
- Net charge-offs (YTD)
- $674K
- Average total assets
- $1.95B
- Average total loans
- $1.07B
- Average interest-bearing deposits
- $1.07B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3440
- Fed RSSD
- 783161
- SEC CIK
- 1114927 → filed by FIRST NORTHERN COMMUNITY BANCORP
- Website
- www.thatsmybank.com →
- Parent Holding Company
- FIRST NORTHERN COMMUNITY BANCORP (RSSD 2880626) · FNRN
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Smith Jeremiah Zachary | CEO | President/CEO/Director |
| Kevin Spink | CFO | EVP/Chief Financial Officer |
| Brett Hamilton | CCO | EVP/Chief Credit Officer |
| Duane Swizer | CIO | EVP/Chief Information Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Northern Bank of Dixon's total assets ranged from $1.87B (Q2 2025) to $1.93B (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.93B total assets against $1.87B; $1.71B total liabilities against $1.68B.
$1.09B net loans and leases against $1.06B; $1.69B total deposits against $1.67B.
$618.9M securities against $593.5M; $124.3M cash and balances due against $141.4M.
$20.8M total interest income against $20.6M; $3.8M total interest expense against $3.6M.
$17.0M net interest income against $17.0M.
$1.9M total noninterest income against $1.6M; $11.7M total noninterest expense against $10.7M.
$600K provision for credit losses against $0.
$4.9M net income against $5.6M.
1.01% return on assets against 1.18%; 3.71% net interest margin against 3.78%.
17.75% CET1 capital ratio against 16.86%; 11.95% tier 1 leverage ratio against 11.27%.
Inside the full First Northern Bank of Dixon terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Northern Bank of Dixon rankings
Its closest position to the top of a national ranking is 614 of 4,196, for total assets; its furthest is 2,489 of 3,611, for ROA.
Metric pages for First Northern Bank of Dixon: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.78% (Q1 2025) to 1.28% (Q3 2025) and its net interest margin ran from 3.52% (Q1 2025) to 3.86% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.75% | 1.01% | 0.41% | 2.56% | 3.71% |
| Q1 2026 | 17.83% | 1.23% | 0.46% | 2.76% | 3.76% |
| Q4 2025 | 17.63% | 1.24% | 0.57% | 3.31% | 3.86% |
| Q3 2025 | 17.35% | 1.28% | 0.63% | 3.72% | 3.73% |
| Q2 2025 | 16.86% | 1.18% | 0.82% | 4.93% | 3.78% |
| Q1 2025 | 16.09% | 0.78% | 1.32% | 7.66% | 3.52% |
| Q4 2024 | 16.41% | 1.20% | 1.06% | 5.98% | 3.56% |
| Q3 2024 | 16.01% | 1.15% | 0.38% | 2.11% | 3.60% |
Swipe the table sideways to see every column.
Branch Network
View all 17 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Davis Branch | Davis , CA | 95616 | $312.5M |
| Woodland Branch | Woodland , CA | 95695 | $191.8M |
| First Northern Bank of Dixon (main office) | Dixon , CA | 95620 | $185.2M |
| Winters Branch | Winters , CA | 95694 | $167.6M |
| West Sacramento Branch | West Sacramento , CA | 95691 | $151.8M |
| Roseville Branch | Roseville , CA | 95661 | $150.9M |
| Mason Street Branch | Vacaville , CA | 95688 | $138.5M |
| Oliver Road Branch | Fairfield , CA | 94534 | $127.8M |
| Rancho Cordova Branch | Rancho Cordova , CA | 95742 | $64.5M |
| Sacramento Branch | Sacramento , CA | 95815 | $59.5M |
| Willows Branch | Willows , CA | 95988 | $58.3M |
| Colusa Branch | Colusa , CA | 95932 | $29.3M |
| Auburn Branch | Auburn , CA | 95603 | $27.6M |
| Orland Branch | Orland , CA | 95963 | $27.1M |
| Dixon Extension Branch | Dixon , CA | 95620 | $0 |
| University Retirement Community Branch | Davis , CA | 95616 | $0 |
| Asset Management & Trust Office Branch | Sacramento , CA | 95814 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 68 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 35 applications, 20 loans originated, $21.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $139K approved, $139K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Northern Bank of Dixon
What are First Northern Bank of Dixon's total assets?
As of the Q2 2026 filing, First Northern Bank of Dixon reported total assets of $1.93 billion in its FFIEC call report.
Where is First Northern Bank of Dixon headquartered?
It is headquartered in Dixon, CA, United States.
When was First Northern Bank of Dixon founded?
It was established in 1910, per the FDIC institution directory.
Is First Northern Bank of Dixon FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3440). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Northern Bank of Dixon?
First Northern Bank of Dixon's primary federal regulator is the FDIC.
What is First Northern Bank of Dixon's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.75% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Northern Bank of Dixon operate?
It operates 21 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Northern Bank of Dixon's Texas Ratio?
Its Texas Ratio is 2.56% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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