Side-by-side · Q2 2026 data
First Northern Bank of Dixon vs Montecito Bank & Trust
Metric by metric
| Measure | First Northern Bank of Dixon | Montecito Bank & Trust |
|---|---|---|
| TellerScore | 74 (stronger) | 69 |
| Capital cushion | 70 (stronger) | 63 |
| Loan quality | 86 | 94 (stronger) |
| Earnings | 65 (stronger) | 44 |
| Funding & liquidity | 63 (stronger) | 54 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 74th | 53rd |
| Total assets | $1.9B | $2.0B |
| Deposits / shares | $1.7B | $1.7B |
| Capital ratio | 11.95% (stronger) | 11.29% |
| Problem loans | 0.41% | 0.17% (stronger) |
| Net charge-offs | 0.12% | 0.02% (stronger) |
| Return on assets | 1.13% (stronger) | 0.60% |
| Loans ÷ deposits | 64.6% (stronger) | 79.4% |
| Uninsured deposits | 44.2% | 38.6% (stronger) |
| Offices | 14 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.7% | 26.7% |
First Northern Bank of Dixon has the higher TellerScore (74 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First Northern Bank of Dixon leads on 4 and Montecito Bank & Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.