← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

First Northern Bank of Dixon

Dixon, California · $1.93B in assets · beside the 11 other California banks between $1B and $3B

The filing

65.4%
Loans / deposits
2nd of 12
+2.6%
Loans, year over year
11th of 12, largest first
221.2%
CRE / capital
2nd of 12

First Northern Bank of Dixon is the eighth largest of the 12 California banks nearest its size between $1B and $3B, with $1.93B in assets at 30 June 2026. Loans are 65.4% of deposits, 2nd of 12 against a median of 88.6%, and equity is 11.2% of assets, 7th of 12. Loans grew +2.6% in the year, 11th of 12, and deposits grew 1.6%; the cohort's median loan growth is +8.3%.

Noncurrent loans are 0.41% of the book, 6th of 12 against a median of 0.55%; 0.27% is 30 to 89 days past due, and the allowance covers them 3.2 times. Net charge-offs are 0.12% of loans, 7th of 12. Commercial real estate is 49.6% of loans, 8th of 12 against a median of 46.1%, and 221% of capital, below the 300% screen, with construction at 15% against the 100% screen.

Return on assets is 1.12%, 5th of 12 against a median of 1.11%, on an efficiency ratio of 59.8%, 6th of 12. Five years ago it was 0.73%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsCA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 88.6% ED El Dorado Savings Bank FSB 23.6% FN First Northern Bank of Dixon 65.4% OV Oak Valley Community Bank 66.0% PB Plumas Bank 80.1% MB Montecito Bank & Trust 80.2% MB Mission Bank 86.6% FB FFB Bank 90.6% BS Beneficial State Bank 90.9% CB Commonwealth Business Bank 91.6% AR American Riviera Bank 93.1% UM U.S. Metro Bank 95.4% MB Malaga Bank FSB 131.8%
Loans, year over yearCA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +8.3% PB Plumas Bank +48.5% BS Beneficial State Bank +15.7% FB FFB Bank +15.5% AR American Riviera Bank +13.1% MB Mission Bank +12.9% UM U.S. Metro Bank +11.5% OV Oak Valley Community Bank +5.0% CB Commonwealth Business Bank +4.2% MB Montecito Bank & Trust +3.7% MB Malaga Bank FSB +2.7% FN First Northern Bank of Dixon +2.6% ED El Dorado Savings Bank FSB -5.8%

SBA 7(a), FY2008 to FY2026

First Northern Bank of Dixon is the 194th largest 7(a) lender into California of 512, with $15M across 33 loans, 0.0% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 7 of its 7 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Yolo, CA$6M15th of 912.0%quiet FY2012
Sacramento, CA$3M86th of 1700.2%quiet FY2015
Placer, CA$3M54th of 1220.4%quiet FY2014
Solano, CA$1M64th of 1090.3%quiet FY2011
El Dorado, CA$381K81st of 1010.1%quiet FY2009
Butte, CA$217K65th of 760.1%quiet FY2018
Glenn, CA$139K19th of 210.5%quiet FY2021
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services4$4M24.8%0.00%945th of 2,596
Health care & social assistance3$2M11.4%0.00%932nd of 2,172
Retail trade6$2M10.2%0.00%1318th of 2,589
Professional & technical services4$1M9.9%0.00%848th of 1,955
Wholesale trade3$1M9.3%0.01%789th of 1,651
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and First Northern
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans FN First Northern Bank of Dixon 0.0% $15M · 33 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
First NorthernRankCohort median
Total CRE against capital, the 300% screen221%2nd of 12261%
Construction against capital, the 100% screen15%6th of 1215%
Construction and land development, share of loans3.3%9th of 122.5%
Non-owner-occupied nonfarm nonresidential, share of loans39.9%9th of 1228.4%
Total CRE, the guidance definition, share of loans49.6%8th of 1246.1%
CRE growth over 36 months, the third prong-0.2%3rd of 12+16.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
El Dorado Savings Bank FSB$2.44B0.9%58.7%0.28%0.01%1.2%23.6%13.8%
Plumas Bank$2.28B1.8%51.3%1.55%0.06%1.3%80.1%12.4%
Beneficial State Bank$2.03B0.1%76.1%2.53%0.73%1.8%90.9%9.3%
Montecito Bank & Trust$2.02B0.6%81.2%0.17%0.02%1.0%80.2%9.3%
Mission Bank$2.01B1.6%45.1%0.02%0.32%1.4%86.6%11.4%
Oak Valley Community Bank$2.00B1.1%64.0%0.00%0.30%1.0%66.0%10.8%
Commonwealth Business Bank$1.97B1.1%56.7%1.88%0.00%1.1%91.6%14.0%
First Northern Bank of Dixon$1.93B1.1%59.8%0.41%0.12%1.3%65.4%11.2%
U.S. Metro Bank$1.64B1.0%60.4%1.54%0.37%1.3%95.4%9.8%
FFB Bank$1.62B1.3%64.9%3.54%0.31%1.4%90.6%11.5%
Malaga Bank FSB$1.45B1.7%29.0%0.00%0.00%0.3%131.8%16.7%
American Riviera Bank$1.44B1.1%61.3%0.68%0.00%1.2%93.1%10.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First NorthernCohort median
20212026Change20212026Change
Loans$889M$1.11B+24%$893M$1.31B+47%
Deposits$1.67B$1.69B+2%$1.27B$1.70B+34%
NPA / loans1.86%0.41%-1.45 pts0.30%0.55%+0.25 pts
Efficiency65.0%59.8%-5.2 pts54.1%60.1%+6.0 pts
ROA0.73%1.12%+0.39 pts1.16%1.11%-0.05 pts

This read was prepared for First Northern Bank of Dixon's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Northern Bank of Dixon is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $1B to $3B
Institution www.thatsmybank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue