BlastPoint's Banking Scorecard
First Northern Bank of Dixon
Community
Specialty: Commercial
CA
FDIC cert 3440
Dixon, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
First Northern Bank of Dixon has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 19.67% above tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 36% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+1.0% YoY
+0.1% QoQ
|
+$519.1M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$1.1B
+0.3% YoY
-0.5% QoQ
|
+$75.0M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$1.7B
-1.2% YoY
-0.4% QoQ
|
+$516.6M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
1.13%
+5.7% YoY
+4.2% QoQ
|
-0.03% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
3.80%
+4.8% YoY
+1.4% QoQ
|
+0.14% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
61.09%
+3.6% YoY
-0.7% QoQ
|
-1.54% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
0.57%
-46.4% YoY
-10.9% QoQ
|
-0.05% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
62.48%
+1.5% YoY
-0.1% QoQ
|
-20.58% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
40.71%
-3.3% YoY
-2.0% QoQ
|
+19.67% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.38%
-35.8% YoY
-9.8% QoQ
|
-0.12% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
17.63%
+7.4% YoY
+1.6% QoQ
|
+7.39% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.33%
-0.3% YoY
+31.1% QoQ
|
-0.41% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Community
Why this stands out
Current:
40.71%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (1)
Deposit Outflow
decline
#89 of 248 · Bottom 36% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 40.71% · Tier avg: 21.05%
88
88th pctile
Tier 1 Capital Ratio
Current: 17.63% · Tier avg: 10.24%
79
79th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
69
69th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
60
60th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.66%
54
54th pctile
Efficiency Ratio
Current: 61.09% · Tier avg: 62.63%
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
42
42th pctile
Delinquency Rate
Current: 0.57% · Tier avg: 0.63%
26
26th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
11
11th pctile
Loan-to-Deposit Ratio
Current: 62.48% · Tier avg: 83.06%
Top Weaknesses
11
11th pctile
Loan-to-Deposit Ratio
Current: 62.48% · Tier avg: 83.06%
26
26th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
42
42th pctile
Delinquency Rate
Current: 0.57% · Tier avg: 0.63%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
54
54th pctile
Efficiency Ratio
Current: 61.09% · Tier avg: 62.63%
60
60th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.66%
69
69th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
79
79th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
88
88th pctile
Tier 1 Capital Ratio
Current: 17.63% · Tier avg: 10.24%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 40.71% · Tier avg: 21.05%