First Northern Bank of Dixon: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.76 percentage points higher than in Q1 2026, at 65.42%. First Northern Bank of Dixon ranks 102nd of 114 California banks on loan-to-deposit ratio, in the lower half at 65.42% (Q2 2026). First Northern Bank of Dixon reported 65.42% on loan-to-deposit ratio for Q2 2026, 22.78 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $124.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $743.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.30% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.42% |
| Net loans and leases to deposits | 64.55% |
| Loans and leases to core deposits | 67.55% |
| Core deposits to total deposits | 96.86% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 60.30% | 96.63% | $0 | $4.9M |
| Q4 2023 | 63.12% | 96.09% | $0 | $4.6M |
| Q1 2024 | 62.18% | 95.38% | $0 | $4.3M |
| Q2 2024 | 62.35% | 96.21% | $0 | $4.1M |
| Q3 2024 | 61.06% | 96.66% | $0 | $3.9M |
| Q4 2024 | 62.47% | 96.98% | $0 | $3.6M |
| Q1 2025 | 63.04% | 97.50% | $0 | $3.4M |
| Q2 2025 | 64.82% | 97.10% | $0 | $3.2M |
| Q3 2025 | 63.50% | 96.80% | $0 | $5.4M |
| Q4 2025 | 63.35% | 96.81% | $0 | $5.8M |
| Q1 2026 | 63.66% | 96.74% | $0 | $5.6M |
| Q2 2026 | 65.42% | 96.86% | $0 | $5.7M |
First Northern Bank of Dixon liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Northern Bank of Dixon, freeSource: Call Report Schedules RC and RC-M, 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)