First Northern Bank of Dixon: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 7.50 percentage points lower than in Q1 2026, at 223.09%. Within California, First Northern Bank of Dixon is 102nd of 114 on loan-to-deposit ratio, 65.42% as of Q2 2026, below the middle of the field. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.11B |
| Net loans and leases | $1.09B |
| Loans held for sale | $406K |
| Loans to total assets | 57.49% |
| Loan-to-deposit ratio | 65.42% |
| Net loans to equity capital | 5.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 52.85% |
| Multifamily (5+ residential) | 6.29% |
| Commercial and industrial | 13.78% |
| Consumer | 0.03% |
| Credit cards | 0.00% |
| Farm | 6.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 223.09% |
| Construction concentration (Tier 1 capital + allowance) | 14.96% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.42% |
| Interest income on loans | $14.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.05B | $1.75B | 59.14% | 8.35% | 0.06% |
| Q4 2023 | $1.07B | $1.69B | 57.74% | 9.48% | 0.06% |
| Q1 2024 | $1.06B | $1.71B | 58.16% | 9.74% | 0.05% |
| Q2 2024 | $1.07B | $1.71B | 58.23% | 9.91% | 0.05% |
| Q3 2024 | $1.06B | $1.73B | 58.65% | 9.88% | 0.05% |
| Q4 2024 | $1.06B | $1.70B | 58.32% | 10.67% | 0.04% |
| Q1 2025 | $1.06B | $1.68B | 56.76% | 12.31% | 0.05% |
| Q2 2025 | $1.08B | $1.67B | 56.55% | 12.78% | 0.04% |
| Q3 2025 | $1.07B | $1.69B | 56.59% | 12.90% | 0.04% |
| Q4 2025 | $1.06B | $1.68B | 55.98% | 13.55% | 0.04% |
| Q1 2026 | $1.08B | $1.70B | 54.74% | 13.57% | 0.03% |
| Q2 2026 | $1.11B | $1.69B | 52.85% | 13.78% | 0.03% |
First Northern Bank of Dixon loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Northern Bank of Dixon, freeSource: Call Report Schedule RC-C, 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)