First Northern Bank of Dixon: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Northern Bank of Dixon of Dixon, CA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.01% | 1.46% | -0.45% | 30th below |
| ROAE | 9.18% | 12.72% | -3.54% | 27th below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.71% | 3.85% | -0.14% | 50th above |
| Efficiency Ratio | 60.17% | 57.40% | +2.77% | 44th below |
| PPNR / Avg Assets | 1.48% | 1.88% | -0.40% | 36th below |
| Yield on Earning Assets | 4.53% | 5.72% | -1.19% | 8th bottom |
| Cost of Funds | 0.89% | 2.02% | -1.13% | 96th top |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.11% | 3.18% | -0.07% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.79% | 1.00% | -0.21% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.52% | 0.76% | -0.24% | 48th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.21% | 0.43% | -0.22% | 18th bottom |
| ACL / Total Loans | 1.34% | 1.31% | +0.03% | 74th above |
| ACL / NPLs (Coverage) | 170.12% | 543.64% | -373.52% | 48th below |
| Texas Ratio | 4.38% | 7.39% | -3.01% | 53rd above |
| Provision / NCO | 140.95% | 619.02% | -478.07% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.75% | 17.34% | +0.41% | 86th top |
| Tier 1 Ratio | 17.75% | 17.37% | +0.38% | 86th top |
| Total Capital Ratio | 18.97% | 18.42% | +0.55% | 86th top |
| Leverage Ratio | 11.95% | 11.44% | +0.51% | 76th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.22% | 11.34% | -0.12% | 63rd above |
| TCE / Tangible Assets | 11.04% | 10.50% | +0.54% | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.42% | 86.97% | -21.55% | 90th top |
| Core Deposit Ratio | 96.86% | 85.55% | +11.31% | 93rd top |
| Uninsured Deposit Ratio | 44.16% | 33.11% | +11.05% | 18th bottom |
| Wholesale Funding Ratio | 0.30% | 5.71% | -5.41% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.91% | 9.69% | -6.78% | 34th below |
| Loan Growth (Y/Y) | 2.57% | 8.06% | -5.49% | 32nd below |
| Deposit Growth (Y/Y) | 1.62% | 7.87% | -6.25% | 27th below |
See First Northern Bank of Dixon's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Northern Bank of Dixon, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Northern Bank of Dixon profile, how to read a UBPR, or how this data updates.