BlastPoint's Banking Scorecard

First Northern Bank of Dixon

$1B-$10B Specialty: Commercial CA FDIC cert 3440

Designations: ✓ Community bank

Dixon, CA

21 branches across CA

884 banks in the $1B-$10B peer group nationally 49 in CA

First Northern Bank of Dixon has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 15.79% above tier average
+ Efficiency Ratio 4.66% below tier average
+ Delinquency Rate 0.43% below tier average

Key Concerns

Areas that may need attention

- ROA 0.12% below tier average

Get updates when First Northern Bank of Dixon releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$1.9B +2.6% YoY +0.7% QoQ	-$891.6M	$2.8B -0.1% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	48%
Total Loans ?	$1.1B +2.2% YoY +1.3% QoQ	-$900.2M	$2.0B +0.6% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	35%
Total Deposits ?	$1.7B +1.1% YoY +0.9% QoQ	-$647.8M	$2.3B -0.3% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	51%
Return on Assets ?	1.25% +58.5% YoY +10.2% QoQ	-0.12%	1.37% +19.6% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	52%
Net Interest Margin ?	3.82% +5.5% YoY +0.5% QoQ	+0.00%	3.82% +6.9% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	61%
Efficiency Ratio ?	56.40% -13.3% YoY -7.7% QoQ	-4.66%	61.06% -4.6% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	60%
Delinquency Rate ?	0.46% -65.4% YoY -19.5% QoQ	-0.43%	0.89% +14.1% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	56%
Loan-to-Deposit Ratio ?	62.79% +1.2% YoY +0.5% QoQ	-21.42%	84.20% +0.3% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	Top 10.1% in tier
Non-Interest-Bearing Deposit Share ?	37.08% -10.9% YoY -1.7% QoQ	+15.79%	21.29% -2.5% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Top 6.4% in tier
Nonperforming Asset Ratio ?	0.32% -60.4% YoY -15.9% QoQ	-0.35%	0.67% +15.6% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	60%
Tier 1 Capital Ratio ?	17.83% +10.8% YoY +1.1% QoQ	+2.67%	15.16% +2.0% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	Top 12.1% in tier
Non-Interest Income / Assets ?	0.09% +12.6% YoY -72.6% QoQ	-0.17%	0.26% +1.6% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	28%

Get Full Access to First Northern Bank of Dixon

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 37.08%

Peer Median: 21.29%

#58 of 884 Top 6.4% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 62.79%

Peer Median: 84.20%

#90 of 884 Top 10.1% in $1B-$10B

108

Tier 1 Capital Ratio

capital

Value: 17.83%

Peer Median: 15.16%

#108 of 884 Top 12.1% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available