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195 North First Street
Dixon, CA 95620

First Northern Bank of Dixon is headquartered in Dixon and is the 56th largest bank in the state of California. It is also the 725th largest bank in the nation. It was established in 1910 and as of March of 2014, it had grown to 191 employees at 16 locations. First Northern Bank of Dixon has a B+ health rating.

Reviews (1)

That's My Bank

I opened a checking account with first northern bank in Vacaville Ca when I was 17 just about to join the army and needed a direct deposit account. I am very satisfied with the costumer service I have had from them they are a great local bank I have been with them for 5 years now. The only problem I have with them is when I need to change my address which I have to do like every year because of the army, but other than the complicated address change process I got to say I love my bank.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First Northern Bank of Dixon had $9.91 million in non-current loans and owned real-estate with $91.61 million in equity and loan loss allowances on hand to cover it. This gives First Northern Bank of Dixon a Texas Ratio of 10.82% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Northern Bank of Dixon experienced no significant changes from 8.31% as of March 31, 2013 to 10.82% as of March 31, 2014, resulting in a negative change of 30.20%. This indicates that the balance sheet and financial strength for First Northern Bank of Dixon has had no significant changes in recent periods.

Deposit Growth


In the past year, First Northern Bank of Dixon has increased its total deposits by $76.9 million, resulting in 10.04% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Northern Bank of Dixon has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Northern Bank of Dixon has $932.95 million in assets with $91.61 million in equity, resulting in a capitalization level of 9.82%, which is above average.

Institution Statistics

FDIC Certificate #3440
Year Established1910
Primary RegulatorFDIC
Assets and Liabilities
Assets$932.95 million
Loans$505.96 million
Deposits$842.93 million
Equity Capital$82.97 million
Loan Loss Allowance$8.65 million
Unbacked Noncurrent Loans$9.91 million
Real Estate Owned$0
Historic Data - March 2013
Assets$852.55 million
Equity Capital$79.08 million
Loan Loss Allowance$8.85 million
Unbacked Noncurrent Loans$9.91 million
Real Estate Owned$1.06 million
Profit Margin - Quarterly
Net Interest Margin3.36%
Return on Assets0.6%
Return on Equity6.74%
Interest Income$7.48 million

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First Northern Bank of Dixon has 13 locations. Click to view all First Northern Bank of Dixon locations.