First Northern Bank of Dixon: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 21.98 percentage points lower than in Q1 2026, at 170.12%. First Northern Bank of Dixon ranks 64th of 114 California banks on return on assets, in the lower half at 1.01% (Q2 2026). First Northern Bank of Dixon reported 1.01% on return on assets for Q2 2026, 0.27 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.75% |
| Tier 1 risk-based capital ratio | 17.75% |
| Total risk-based capital ratio | 18.97% |
| Tier 1 leverage ratio | 11.95% |
| Equity capital to assets | 11.22% |
| Tangible equity to tangible assets | 11.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.79% |
| Non-performing assets ratio | 0.52% |
| Net charge-off ratio | 0.21% |
| Texas ratio | 4.38% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 170.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.01% |
| Return on equity | 9.18% |
| Net interest margin | 3.71% |
| Efficiency ratio | 60.17% |
| Yield on earning assets | 4.53% |
| Cost of funds | 0.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.42% |
| Core deposits to total deposits | 96.86% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.88% |
| Securities to assets | 32.14% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.31% | 14.31% | 15.56% | 9.21% | 0.95% |
| Q4 2023 | 14.79% | 14.79% | 16.04% | 9.69% | 1.43% |
| Q1 2024 | 15.29% | 15.29% | 16.54% | 10.11% | 0.91% |
| Q2 2024 | 15.44% | 15.44% | 16.69% | 10.18% | 0.95% |
| Q3 2024 | 16.01% | 16.01% | 17.26% | 10.35% | 1.15% |
| Q4 2024 | 16.41% | 16.41% | 17.66% | 10.50% | 1.20% |
| Q1 2025 | 16.09% | 16.09% | 17.34% | 10.85% | 0.78% |
| Q2 2025 | 16.86% | 16.86% | 18.12% | 11.27% | 1.18% |
| Q3 2025 | 17.35% | 17.35% | 18.60% | 11.47% | 1.28% |
| Q4 2025 | 17.63% | 17.63% | 18.88% | 11.35% | 1.24% |
| Q1 2026 | 17.83% | 17.83% | 19.08% | 11.71% | 1.23% |
| Q2 2026 | 17.75% | 17.75% | 18.97% | 11.95% | 1.01% |
First Northern Bank of Dixon vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Northern Bank of Dixon, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)