First Northern Bank of Dixon: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Accumulated other comprehensive income fell 6.9% in Q2 2026 to -$19.8M, the biggest move on this page. First Northern Bank of Dixon ranks 25th of 74 California banks on CET1 ratio, in the upper half at 17.75% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. First Northern Bank of Dixon sits 4.27 points higher, at 17.75% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.75% |
| Tier 1 risk-based capital ratio | 17.75% |
| Total risk-based capital ratio | 18.97% |
| Tier 1 leverage ratio | 11.95% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $232.1M |
| Tier 1 capital | $232.1M |
| Total risk-based capital | $248.0M |
| Total equity capital | $216.1M |
| Risk-weighted assets | $1.31B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.22% |
| Tangible equity to tangible assets | 11.04% |
| Equity capital to average assets | 11.11% |
| Internal capital growth rate | 9.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $23.5M |
| Common stock surplus | $17.0M |
| Retained earnings | $195.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.31% | 14.31% | 15.56% | 9.21% | $1.26B |
| Q4 2023 | 14.79% | 14.79% | 16.04% | 9.69% | $1.27B |
| Q1 2024 | 15.29% | 15.29% | 16.54% | 10.11% | $1.25B |
| Q2 2024 | 15.44% | 15.44% | 16.69% | 10.18% | $1.25B |
| Q3 2024 | 16.01% | 16.01% | 17.26% | 10.35% | $1.24B |
| Q4 2024 | 16.41% | 16.41% | 17.66% | 10.50% | $1.25B |
| Q1 2025 | 16.09% | 16.09% | 17.34% | 10.85% | $1.28B |
| Q2 2025 | 16.86% | 16.86% | 18.12% | 11.27% | $1.26B |
| Q3 2025 | 17.35% | 17.35% | 18.60% | 11.47% | $1.26B |
| Q4 2025 | 17.63% | 17.63% | 18.88% | 11.35% | $1.25B |
| Q1 2026 | 17.83% | 17.83% | 19.08% | 11.71% | $1.27B |
| Q2 2026 | 17.75% | 17.75% | 18.97% | 11.95% | $1.31B |
First Northern Bank of Dixon regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Northern Bank of Dixon, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Northern Bank of Dixon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3440) · FFIEC NIC profile (RSSD 783161)