# FIRST NORTHERN BANK OF DIXON
DIXON, CA · FDIC certificate 3440 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.93B | |
| Deposits | $1.69B | |
| Loans and leases | $1.11B | |
| Total equity | $216.1M | |
| Loans / deposits | 64.55% (p11 of band) | 87.10% |
| Liquid assets / assets | 38.59% (p88 of band) | |
| Uninsured deposits / deposits | 44.16% (p81 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.30% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.95% (p75 of band) | 10.50% |
| Unrealized securities loss / equity | -13.17% (p33 of band) | -7.75% |
| AOCI / equity | -2.02% (p4 of band) | |
| ROA (annualized) | 1.13% (p40 of band) | 1.26% |
| Net interest margin | 3.80% (p56 of band) | 3.70% |
| Efficiency ratio | 58.49% (p48 of band) | |
| Noncurrent loans | 0.41% (p42 of band) | 0.51% |
| Net charge-offs (annualized) | 0.07% (p69 of band) | |
| Reserve coverage of noncurrent | 323.95% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 17.10% (p15 of band) | |
| Auto loans | $121,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $60.0M (28% of equity) (p94 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 193 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 0 |  | charge-offs p90 |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2020-09 | 2 | capital falling | noncurrent p90 |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | reserve under noncurrent |
| 2021-12 | 1 |  | noncurrent p90 |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, noncurrent p90 |  |
| 2022-09 | 2 |  | noncurrent p90 |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | charge-offs p90 |  |
| 2023-09 | 3 | uninsured deposits leaving |  |
| 2023-12 | 1 |  | charge-offs p90, uninsured deposits leaving |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer & Kolbe
- 2023-04-06 [Jeremiah Smith is First Northern Bank's second exec to go from teller to CEO - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxObkdrWUpqZlhHaWN2b3hyb3V5OHlQckFXd3VaVUlMUWRqQWpCWUtVV0twSktXcS1kQmFQWlg3dy1nODNXMFNDem9LNlFYQTREd1BqSHBVQ05LM1RDQWktSGVMeEhVaFh1OVFLTFplOFJ0ckZoSDladGlpVDlaQjdTYjFOUXZjcnlidm93S2J0UjlIZnRHR3czVXJmelZNRm8?oc=5) · The Business Journals
- 2021-12-20 [Community banks developing a lower-cost Zelle alternative - American Banker](https://news.google.com/rss/articles/CBMipAFBVV95cUxPemFsRGZtVXJ4bHF1OEhBa1h5Z3NHb2xXU0VJTzZ3dEx0WmdvWFk4aTJHQUlhNWEwZEI1RWk1ZFpJU3hSbjdDUzdTaURNVW81MXNMemF1R1FJLU5Fa2JLcXlzWkFMbHcyUG5QMm1BTlptdDlPSERhY0JFNkNGNDBwRFVpVGxjS1FQLTNQTGxJVVU3Vzg3VkoydUZuWk5Pa24yTTBMcQ?oc=5) · American Banker
- 2025-12-03 [Marquis data breach impacts over 74 US banks, credit unions - BleepingComputer](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNN25wV2ZwYk9ESjhEMGdsY1N4dXdSV2FBTUo2R21EX0JoODBvWlhTcVJ3TmtDdW5veDVucFZwS0V2M0Z5VGJsLVQ3MDJWQUpISFgtb1p6aWI0ZnE2MVdjTU8xXzZuclIwQ3ZGRVBCYl9jWXJjeURoNW9UM2hHay1uOElZSENqalFVWndUYV9xUjRnQ284QkpDSnJZNENHOHRfMnhDSnlSbXRzQdIBrwFBVV95cUxPNWZVaVhpYWZHQmVuT1ZWMUt1eTN6VjE1YnE5VC1wWWo0UE4xUG1BSmduNnBZckhtZE5ZTUFkQjdXa3dQS21JMHlIc015cEhsdkVfRzRsSU9YN3owcWFOcWNQQWJTcmxLcjJlYnRUYkd5UFBVclVVODdhVGQ0RTZVZjJDZlpiUWNQWjllcDBVcFQ0WW9qQ1dNNVY2TDNDeS11cU0xN2lNNHdnSG5mckE0?oc=5) · BleepingComputer
- 2010-07-11 [Heritage Commons Awarded $1 Million FHLB Grant For Senior Housing - Senior Housing News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPTXVhd0poT2dCOTBHZ1ktTldLZ3FsSFJ4OEpDdnNHQWVzNGlzU1JTMkRvRmd5Wk9SVVRGUm1RY3hCaUpZQjY5Qy1OVUpGZHhBQ0NYLVVOb19XYXRhTXZaVTE1QXROWDZmTm5UXzMxTUNhZ2xZazFXZzUtUWRYX3dWRmdMbnd2M0czOExmR3pHLXJ5cFloV3cwVURRSTljblB4MlB5aWtVemsxQQ?oc=5) · Senior Housing News
- 2010-10-30 [Dixon resident Rotteveel sentenced to prison in bank heists case - thereporter.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxQb1B3U0FaN0hIbmFHTG5vMVlQdkF5T2p5dHJBdjFwZVhJQlpoWTdsNjNUZ0dUWTRhOGpxbDNKMXVROUpTbFNDSUdsZWc1Xzc5Ujg1SExDQ3RYRVNQUURubmZzV3FWWXRZTE04Q3pFZ1hiMG9raHFyZ21GdWN4cVVrajJTazBJT0J6X2RnMUNDMmxJdFFhWWlWRFdscjRLNmFRZWNFYXRsaw?oc=5) · thereporter.com
- 2025-09-29 [River Valley Community Bank appoints former Roseville mayor Garcia as relations, development officer - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQc0pscFNoRnU3blZRUE1lYzF4TWx5TmF2ZlN5ZjVhMGVGTWljdEpzMXA2WVdNT2ZWcW5tVUdRajFNTFJUTWZjcGdXQ3RjaGdPMVhYMjR5WDBBRURFelJTVU5TNlpXZG1ldWF0XzRGQk5oU20wVjNVYTZwUG1TMmI5TkRuWkFuSDhYWHlwR3d4MFE5OEl3S2lVblpfUndHNnNfTEE?oc=5) · The Business Journals
- 2026-09-08 [First Northern Community Bancorp Common stock (OTC: FNRN) Stock Price, News & Analysis - kalkine.com.au](https://news.google.com/rss/articles/CBMiUkFVX3lxTE81YURyLTlWM29LRHZxcWQ0VnI5S3V2aE9NMEJEWU1KM0xHaTNtQk00TWw5cGdhcmQwalV3UmQyM1JjNnRHQWlyQVJadk1rQ3BGekE?oc=5) · kalkine.com.au

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3440 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/48.json (key "3440", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide