First Northern Bank of Dixon

Headquarters

195 North First Street
Dixon, CA 95620
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

First Northern Bank of Dixon is an FDIC insured institution located in Dixon, CA. It was founded in 1910 and has approximately $1.78 billion in assets. Customers can open an account at one of its 17 branches.

FDIC Insured Yes
FDIC Certificate # 3440
Date Established 1910
Assets $ 1,779.96 million
Loans $ 950.81 million
Deposits $ 1,611.17 million
Capital $ 145.65 million
 

For a more detailed analysis of First Northern Bank of Dixon's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 3, 2021

Your Current Location: Connecticut, CT 06828

 

Loan Rates - August 3, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Northern Bank of Dixon

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

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Payment
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loanDepot
NMLS ID: 174457
2.670% 2.625%
0.63 points
$1,475 fees
$1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

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Note to First Northern Bank of Dixon
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Branches

First Northern Bank of Dixon branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First Northern Bank of Dixon Locations


Financial Details

First Northern Bank of Dixon Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Northern Bank of Dixon. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Northern Bank of Dixon U.S. Bank Average
10.57% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, First Northern Bank of Dixon had $17,052,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $145,654,000 in equity and $15,713,000 in loans loss reserves. That gives it a Texas Ratio of 10.57%.

Return on Equity
First Northern Bank of Dixon U.S. Bank Average
8.81% 11.43%

First Northern Bank of Dixon has a Return on Equity of 8.81% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First Northern Bank of Dixon U.S. Bank Average
8.18% 11.51%

First Northern Bank of Dixon has a Capitalization of 8.18% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Northern Bank of Dixon Balance Sheet Analysis

As of March 31, 2021, First Northern Bank of Dixon had assets of $1,779,964,000, loans of $950,810,000, and deposits of $1,611,165,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
ASSETS
Cash & Balances due from depository institutions $ 309.15 million
Interest-bearing balances $ 284.67 million
Total securities $ 466.05 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 950.81 million
Loan loss allowance $ 15.71 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1.46 million
All other assets $ 40.37 million
     Total Assets $ 1,634.31 million
LIABILITIES
Total deposits $ 1,611.17 million
      Interest-bearing deposits $ 899.43 million
      Deposits held in domestic offices $ 1,611.17 million
      % insured (estimated) 56.43%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 11.20 million
Subordinated debt N.A.
All other liabilities $ 11.94 million
      Total Liabilities $ 1,634.31 million
      Shareholders’ Equity $ 145.65 million

Summary Income Statement

March 31, 2021
INCOME AND EXPENSES
Total Interest Income $ 11.10 million
Total Interest Expense $ 0.22 million
Net interest income $ 10.87 million
Provision for loan and lease losses $ 0.30 million
Total non interest income $ 2.30 million
Total non interest expense $ 8.44 million
Pre-tax Net Operating Income $ 4.43 million

Bank Loan Profile?

The top three loan types in First Northern Bank of Dixon’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in California, First Northern Bank of Dixon has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 10.33
Multifamily
Mortgages
5.33
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 0.00
Construction and Development Loans 0.83
Commercial Real Estate 46.36
Commercial and Industrial Loans 29.36
Farm Loans 2.68

Frequently Asked Questions About First Northern Bank Of Dixon

Branches and Savings

Is First Northern Bank Of Dixon FDIC insured?

Yes. It is covered under FDIC Certificate #3440.

Why does First Northern Bank Of Dixon pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Northern Bank Of Dixon CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Northern Bank Of Dixon a commercial bank?

Yes

Where are First Northern Bank Of Dixon locations?

See branch locations nearby.

Is First Northern Bank Of Dixon open on Saturdays?

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What time does First Northern Bank Of Dixon open?

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Are First Northern Bank Of Dixon ATMs Open 24/7?

Do First Northern Bank Of Dixon ATMs accept cash deposits?

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Do First Northern Bank Of Dixon branches have notaries?

Will First Northern Bank Of Dixon notarize my document?

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Does First Northern Bank Of Dixon require US citizenship to open account?

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Products

Does First Northern Bank Of Dixon offer mortgages?

Compare mortgage rates here.

Does First Northern Bank Of Dixon offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Northern Bank Of Dixon offer personal loans?

Compare personal loan rates here.

Does First Northern Bank Of Dixon offer student loans?

Will First Northern Bank Of Dixon cash a check?

Will First Northern Bank Of Dixon redeem a savings bond?

Does First Northern Bank Of Dixon cash savings bonds?

Will First Northern Bank Of Dixon cash money orders?

Can First Northern Bank Of Dixon issue a money order?

Does First Northern Bank Of Dixon do currency exchange?

Background on The Bank

Who owns First Northern Bank Of Dixon?

How long has First Northern Bank Of Dixon been around?

Can First Northern Bank Of Dixon transfer to other banks?

Does First Northern Bank Of Dixon have quick pay?

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