First Northern Bank of Dixon is a state-chartered bank headquartered in Dixon, California, in business for about 116 years. At the end of Q2 2026 it reported $1.9B in total assets and $1.7B in deposits, with 21 offices.
First Northern Bank of Dixon has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 39th. Problem-loan coverage contributes the most (95/100, 2.5%); funding & liquidity contributes the least (63/100, 65% loans-to-deposits, 44% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (68 → 74), mostly because the loan quality component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 70 |
| Q4 2024 | 65 |
| Q1 2025 | 61 |
| Q2 2025 | 68 |
| Q3 2025 | 72 |
| Q4 2025 | 72 |
| Q1 2026 | 75 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.18% |
| Q3 2024 | 10.35% |
| Q4 2024 | 10.50% |
| Q1 2025 | 10.85% |
| Q2 2025 | 11.27% |
| Q3 2025 | 11.47% |
| Q4 2025 | 11.35% |
| Q1 2026 | 11.71% |
| Q2 2026 | 11.95% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.64% |
| Q3 2024 | 0.38% |
| Q4 2024 | 1.06% |
| Q1 2025 | 1.32% |
| Q2 2025 | 0.82% |
| Q3 2025 | 0.63% |
| Q4 2025 | 0.57% |
| Q1 2026 | 0.46% |
| Q2 2026 | 0.41% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.94% |
| Q3 2024 | 1.01% |
| Q4 2024 | 1.07% |
| Q1 2025 | 0.79% |
| Q2 2025 | 0.99% |
| Q3 2025 | 1.09% |
| Q4 2025 | 1.13% |
| Q1 2026 | 1.25% |
| Q2 2026 | 1.13% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $1.9B | 11.95% | 0.41% | 1.13% | 64.6% |
| Q1 2026 | 75 | $1.9B | 11.71% | 0.46% | 1.25% | 62.8% |
| Q4 2025 | 72 | $1.9B | 11.35% | 0.57% | 1.13% | 62.5% |
| Q3 2025 | 72 | $1.9B | 11.47% | 0.63% | 1.09% | 62.6% |
| Q2 2025 | 68 | $1.9B | 11.27% | 0.82% | 0.99% | 63.9% |
| Q1 2025 | 61 | $1.9B | 10.85% | 1.32% | 0.79% | 62.1% |
| Q4 2024 | 65 | $1.9B | 10.50% | 1.06% | 1.07% | 61.5% |
| Q3 2024 | 70 | $1.9B | 10.35% | 0.38% | 1.01% | 60.1% |
| Q2 2024 | 67 | $1.9B | 10.18% | 0.64% | 0.94% | 61.4% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Commonwealth Business BankBank Los Angeles, CA | 64 out of 100, Moderate | $2.0B | 13.9% | 1.88% | vs |
| Oak Valley Community BankBank Oakdale, CA | 76 out of 100, Strong | $2.0B | 11.5% | 0.00% | vs |
| Mission BankBank Bakersfield, CA | 80 out of 100, Strong | $2.0B | 12.2% | 0.02% | vs |
| Montecito Bank & TrustBank Santa Barbara, CA | 69 out of 100, Moderate | $2.0B | 11.3% | 0.17% | vs |
| Beneficial State BankBank Oakland, CA | 43 out of 100, Below average | $2.0B | 11.2% | 2.53% | vs |
| US Metro BankBank Garden Grove, CA | 52 out of 100, Below average | $1.6B | 10.4% | 1.54% | vs |
Deposit insurance
Is my money safe at First Northern Bank of Dixon?
Yes. First Northern Bank of Dixon is an FDIC-insured institution (FDIC certificate #3440). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 44.2% of deposits ($747.4M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.95%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.97% (benchmark: 10%).
21 locations
Branches
First Northern Bank of Dixon lists 14 offices in 14 cities. Most locations:
- Auburn, CA (1)
- Colusa, CA (1)
- Davis, CA (1)
- Dixon, CA (1)
- Fairfield, CA (1)
- Orland, CA (1)
- Rancho Cordova, CA (1)
- Roseville, CA (1)
- Sacramento, CA (1)
- Vacaville, CA (1)
- West Sacramento, CA (1)
- Willows, CA (1)
HMDA 2025
Mortgage lending
In 2025, First Northern Bank of Dixon reported 26 home-loan applications under HMDA (LEI 5493005LNO5N4F760786): 20 originated ($21,300,000 total), 2 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- First Northern Bank of Dixon
- Former names
- The First National Bank of Dixon
- Type
- State-chartered bank
- FDIC certificate #
- 3440
- RSSD ID
- 783161
- Primary regulator
- FDIC
- Holding company
- First Northern Community Bcorp
- Established
- January 2, 1910
- Headquarters
- 195 N 1st St, Dixon, CA 95620
- Website
- www.thatsmybank.com
- Employees
- 193
Quick answers
First Northern Bank of Dixon: common questions
Is First Northern Bank of Dixon FDIC insured?
Yes. First Northern Bank of Dixon is an FDIC-insured institution (FDIC certificate #3440). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Northern Bank of Dixon's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Northern Bank of Dixon ever failed?
There is no failure record for FDIC certificate #3440 in the FDIC failed bank list.
How many branches does First Northern Bank of Dixon have?
21 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Dixon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sacramento Credit UnionCredit union Sacramento, CA | 96 out of 100, Very strong | $858.3M | 15.1% | 0.09% | vs |
| Bank of StocktonBank Stockton, CA | 94 out of 100, Very strong | $5.0B | 19.9% | 0.08% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| SoFi Bank, National AssociationBank Cottonwood Heights, UT | 88 out of 100, Very strong | $56.8B | 13.3% | 0.08% | vs |
| El Dorado Savings Bank, F.S.B.Bank Placerville, CA | 84 out of 100, Strong | $2.4B | 13.4% | 0.28% | vs |
| Farmers & Merchants Bank of Central CaliforniaBank Lodi, CA | 79 out of 100, Strong | $5.8B | 11.7% | 0.13% | vs |