BlastPoint's Banking Scorecard
First Northern Bank of Dixon
Designations: ✓ Community bank
Dixon, CA
21 branches across CA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
- Deposits +1.6% year over year ($1.7B on the books).
- Delinquency rate 0.42%.
- Return on assets 1.13%.
- Efficiency ratio 58.49% vs a 59.73% peer average.
- Loan-to-deposit ratio 64.55% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Northern Bank of Dixon has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 20.49% below tier average
- + Non-Interest-Bearing Deposit Share 15.97% above tier average
- + Efficiency Ratio 1.24% below tier average
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Net Interest Margin 0.08% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+2.9% YoY
+0.1% QoQ
|
-$867.3M |
$2.8B
-0.6% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
48% |
| Total Loans ? |
$1.1B
+2.7% YoY
+2.6% QoQ
|
-$870.7M |
$2.0B
-0.3% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
37% |
| Total Deposits ? |
$1.7B
+1.6% YoY
-0.2% QoQ
|
-$626.3M |
$2.3B
-0.5% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
51% |
| Return on Assets ? |
1.13%
+14.9% YoY
-9.0% QoQ
|
-0.26% |
1.39%
+17.0% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
40% |
| Net Interest Margin ? |
3.80%
+1.7% YoY
-0.6% QoQ
|
-0.08% |
3.87%
+6.2% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
55% |
| Efficiency Ratio ? |
58.49%
-4.0% YoY
+3.7% QoQ
|
-1.24% |
59.73%
-12.6% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
52% |
| Delinquency Rate ? |
0.42%
-50.0% YoY
-9.5% QoQ
|
-0.45% |
0.87%
+11.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
64.55%
+1.1% YoY
+2.8% QoQ
|
-20.49% |
85.04%
-0.1% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
Top 9.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
37.25%
-10.1% YoY
+0.4% QoQ
|
+15.97% |
21.27%
-1.5% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
Top 6.3% in tier |
| Nonperforming Asset Ratio ? |
0.30%
-44.3% YoY
-5.8% QoQ
|
-0.37% |
0.67%
+11.7% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
17.75%
+5.2% YoY
-0.5% QoQ
|
+2.91% |
14.84%
-0.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
Top 12.3% in tier |
| Non-Interest Income / Assets ? |
0.19%
+14.1% YoY
+107.6% QoQ
|
-0.34% |
0.53%
+2.5% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
29% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
37.2%
-4.2pp YoY +0.2pp QoQ |
+15.9pp | 21.4% | 25.5% | 22.2% | 94% |
| Brokered Deposits | n/a | n/a | 9.5% | 11.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.0%
+1.0pp YoY +0.2pp QoQ |
0.0pp | 14.0% | 11.8% | 12.5% | 64% |
| CRE |
63.3%
-5.0pp YoY -2.6pp QoQ |
+13.3pp | 50.0% | 67.5% | 41.4% | 81% |
| 1-4 Family |
10.3%
-0.9pp YoY 0.0pp QoQ |
-16.1pp | 26.4% | 16.5% | 31.3% | 18% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 5.3% | 5.0% | 6% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.8%
+0.9pp YoY -0.1pp QoQ |
+2.2pp | 15.6% | 23.7% | 19.7% | 86% |
| Leverage Ratio |
12.0%
+0.7pp YoY +0.2pp QoQ |
+0.6pp | 11.3% | 14.5% | 12.6% | 76% |
| Total Capital Ratio |
19.0%
+0.9pp YoY -0.1pp QoQ |
+2.3pp | 16.7% | 25.1% | 20.8% | 86% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
193
0 YoY +1 (+0.5%) QoQ |
-121 | 313 | 337 | 482 | 39% |
| Assets per Employee ($) |
$10.0M
+2.9% YoY -0.4% QoQ |
-$503K | $10.5M | $11.3M | $8.8M | 65% |
| Branch Count |
21
0 YoY 0 QoQ |
+1 | 20 | 15 | 18 | 68% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.4%
-0.4pp YoY 0.0pp QoQ |
-0.4pp | 0.8% | 1.4% | 1.0% | 42% |
| Allowance Coverage |
3.24x
+78.8% YoY +7.6% QoQ |
-15.47x | 18.71x | 17.11x | 20.23x | 67% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.1pp | 0.3% | 0.3% | 0.2% | 72% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.2%
+0.2pp YoY -1.1pp QoQ |
-2.4pp | 12.6% | 8.2% | 11.6% | 35% |
| Cost of Funds (YTD) |
0.8%
0.0pp YoY 0.0pp QoQ |
-1.1pp | 1.9% | 1.9% | 1.7% | 3% |
| Net Income ($, YTD) |
$10.9M
+17.4% YoY — QoQ |
-$8.3M | $19.2M | $28.5M | $40.4M | 44% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.