First Northern Bank of Dixon: how it compares with its peers
Against 31 CA banks with half to twice its assets, First Northern Bank of Dixon's strongest measure in Q2 2026 is return on assets (1.13% vs. a 1.14% peer median). Its weakest relative measure is efficiency ratio (58.49% vs. 56.55%).
| Measure | First Northern Bank of Dixon | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.13% | 1.14% | Middle third Ahead of 48% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.80% | 3.81% | Middle third Ahead of 48% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.49% | 56.55% | Middle third Ahead of 39% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.0M | $10.6M | Middle third Ahead of 47% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.55% | 90.52% | Context |
What it means for lending operations
Its efficiency ratio of 58.49% is above the 56.55% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Commonwealth Business Bank Los Angeles, CA · $1.97B
- Oak Valley Community Bank Oakdale, CA · $2.00B
- Mission Bank Bakersfield, CA · $2.01B
- Montecito Bank & Trust Santa Barbara, CA · $2.02B
- Beneficial State Bank Oakland, CA · $2.03B
- US Metro Bank Garden Grove, CA · $1.64B
Questions about First Northern Bank of Dixon
How big is First Northern Bank of Dixon?
First Northern Bank of Dixon, established in 1910, is headquartered in Dixon, CA. It reported $1.93B in total assets in its Q2 2026 FDIC call report and operates 21 offices.
What is First Northern Bank of Dixon's return on assets?
1.13% annualized in Q2 2026, against a 1.14% median for 31 CA banks with half to twice its assets, ahead of 48% of them.
What is First Northern Bank of Dixon's efficiency ratio?
58.49% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 56.55%, and lower is better.
Is First Northern Bank of Dixon growing its loans?
Net loans grew 2.7% over the year to Q2 2026, while deposits grew 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.