First Northern Bank of Dixon: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Dixon, First Northern Bank of Dixon serves the California market as a community-focused commercial bank. On its most recent Q2 2026 call report, First Northern Bank of Dixon reported $1.9B in total assets against $1.7B in deposits. Returns are in line with industry norms at 1.01% ROA and 9.18% ROE; net interest margin is 3.71%. Capital is comfortably above regulatory requirements, CET1 ratio of 17.75% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is solid, 0.79% nonperforming loans and a 4.38% Texas Ratio. Its footprint covers 21 branches concentrated in California.
As of June 30, 2026, First Northern Bank of Dixon reported a CET1 capital ratio of 17.75%, a return on assets of 1.01%, a nonperforming-loan ratio of 0.79%, a Texas ratio of 4.38%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 195 N 1st St, Dixon, CA 95620
- County
- Solano
- Metro Area
- Vallejo, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 2, 1910
- Offices
- 21 domestic
- Employees (FTE)
- 193
- Domestic deposits
- $1.69B
- Allowance for credit losses
- $14.8M
- Net charge-offs (YTD)
- $674K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3440
- Fed RSSD
- 783161
- SEC CIK
- 1114927 → filed by FIRST NORTHERN COMMUNITY BANCORP
- Website
- www.thatsmybank.com →
- Parent Holding Company
- FIRST NORTHERN COMMUNITY BANCORP (RSSD 2880626) · FNRN
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Smith Jeremiah Zachary | CEO | President/CEO/Director |
| Spink Kevin | CFO | EVP/Chief Financial Officer |
| Hamilton Brett | CCO | EVP/Chief Credit Officer |
| Swizer Duane | CIO | EVP/Chief Information Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Northern Bank of Dixon terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Northern Bank of Dixon, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Northern Bank of Dixon rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First Northern Bank of Dixon: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.75% | 1.01% | 0.79% | 4.38% | 3.71% |
| Q1 2026 | 17.83% | 1.23% | 0.71% | 4.01% | 3.76% |
| Q4 2025 | 17.63% | 1.24% | 0.89% | 4.89% | 3.86% |
| Q3 2025 | 17.35% | 1.28% | 0.97% | 5.38% | 3.73% |
| Q2 2025 | 16.86% | 1.18% | 1.07% | 6.24% | 3.78% |
| Q1 2025 | 16.09% | 0.78% | 1.49% | 8.61% | 3.52% |
| Q4 2024 | 16.41% | 1.20% | 1.23% | 6.99% | 3.56% |
| Q3 2024 | 16.01% | 1.15% | 0.58% | 3.22% | 3.60% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 17 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Davis Branch | Davis , CA | 95616 | $312.5M |
| Woodland Branch | Woodland , CA | 95695 | $191.8M |
| First Northern Bank of Dixon (main office) | Dixon , CA | 95620 | $185.2M |
| Winters Branch | Winters , CA | 95694 | $167.6M |
| West Sacramento Branch | West Sacramento , CA | 95691 | $151.8M |
| Roseville Branch | Roseville , CA | 95661 | $150.9M |
| Mason Street Branch | Vacaville , CA | 95688 | $138.5M |
| Oliver Road Branch | Fairfield , CA | 94534 | $127.8M |
| Rancho Cordova Branch | Rancho Cordova , CA | 95742 | $64.5M |
| Sacramento Branch | Sacramento , CA | 95815 | $59.5M |
| Willows Branch | Willows , CA | 95988 | $58.3M |
| Colusa Branch | Colusa , CA | 95932 | $29.3M |
| Auburn Branch | Auburn , CA | 95603 | $27.6M |
| Orland Branch | Orland , CA | 95963 | $27.1M |
| Dixon Extension Branch | Dixon , CA | 95620 | $0 |
| University Retirement Community Branch | Davis , CA | 95616 | $0 |
| Asset Management & Trust Office Branch | Sacramento , CA | 95814 | $0 |
Regulatory record
What the public regulatory sources show for First Northern Bank of Dixon, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 68 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 35 applications, 20 loans originated, $21.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Northern Bank of Dixon
What are First Northern Bank of Dixon's total assets?
As of the Q2 2026 filing, First Northern Bank of Dixon reported total assets of $1.93 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Northern Bank of Dixon headquartered?
First Northern Bank of Dixon is headquartered in Dixon, CA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Northern Bank of Dixon founded?
First Northern Bank of Dixon was established in 1910, per the FDIC institution directory.
Is First Northern Bank of Dixon FDIC-insured?
Yes. First Northern Bank of Dixon is an FDIC-insured commercial bank (FDIC Certificate #3440). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Northern Bank of Dixon?
First Northern Bank of Dixon's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Northern Bank of Dixon's CET1 capital ratio?
First Northern Bank of Dixon reported a Common Equity Tier 1 (CET1) capital ratio of 17.75% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Northern Bank of Dixon operate?
First Northern Bank of Dixon operates 21 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Northern Bank of Dixon's Texas Ratio?
First Northern Bank of Dixon's Texas Ratio is 4.38% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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