Side-by-side · Q2 2026 data
Farmers & Merchants Bank of Central California vs First Northern Bank of Dixon
Metric by metric
| Measure | Farmers & Merchants Bank of Central California | First Northern Bank of Dixon |
|---|---|---|
| TellerScore | 79 (stronger) | 74 |
| Capital cushion | 67 | 70 (stronger) |
| Loan quality | 96 (stronger) | 86 |
| Earnings | 89 (stronger) | 65 |
| Funding & liquidity | 49 | 63 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 88th | 74th |
| Total assets | $5.8B | $1.9B |
| Deposits / shares | $5.1B | $1.7B |
| Capital ratio | 11.65% | 11.95% (stronger) |
| Problem loans | 0.13% (stronger) | 0.41% |
| Net charge-offs | 0.01% (stronger) | 0.12% |
| Return on assets | 1.74% (stronger) | 1.13% |
| Loans ÷ deposits | 71.2% | 64.6% (stronger) |
| Uninsured deposits | 51.4% | 44.2% (stronger) |
| Offices | 29 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.6% | 8.7% |
Farmers & Merchants Bank of Central California has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank of Central California leads on 4 and First Northern Bank of Dixon on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.