First Northern Bank of Dixon: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 1.1% between Q1 2026 and Q2 2026, to $3.8M. Within California, First Northern Bank of Dixon is 59th of 114 on net interest margin, 3.71% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; First Northern Bank of Dixon reported 3.71% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.53% |
| Yield on loans | 5.42% |
| Yield on securities | 3.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.89% |
| Cost of interest-bearing deposits | 1.43% |
| Cost of interest-bearing liabilities | 1.42% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 3.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.5M |
| Total interest expense | $3.8M |
| Interest expense on deposits | $3.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.94% | 0.40% | 3.43% | 5.05% | 1.82% |
| Q4 2023 | 4.25% | 0.47% | 3.66% | 5.38% | 1.95% |
| Q1 2024 | 4.10% | 0.56% | 3.40% | 5.12% | 2.07% |
| Q2 2024 | 4.32% | 0.62% | 3.54% | 5.29% | 2.24% |
| Q3 2024 | 4.42% | 0.66% | 3.60% | 5.44% | 2.51% |
| Q4 2024 | 4.36% | 0.65% | 3.56% | 5.25% | 2.77% |
| Q1 2025 | 4.30% | 0.64% | 3.52% | 5.20% | 2.84% |
| Q2 2025 | 4.58% | 0.66% | 3.78% | 5.58% | 2.87% |
| Q3 2025 | 4.54% | 0.67% | 3.73% | 5.51% | 2.93% |
| Q4 2025 | 4.71% | 0.72% | 3.86% | 5.76% | 3.01% |
| Q1 2026 | 4.57% | 0.88% | 3.76% | 5.47% | 3.07% |
| Q2 2026 | 4.53% | 0.89% | 3.71% | 5.42% | 3.13% |
First Northern Bank of Dixon yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Northern Bank of Dixon, freeSource: Call Report Schedules RI and RC-K, 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)