Compared with California
11 of 23
compared fees are above the median.
6 below, 6 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
52nd percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the California median
of 23 compared; 6 below, 6 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for First Northern Bank of Dixon at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the California median | Published fees above the California median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First Northern Bank of Dixon's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.3% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (52nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $431K in Q2 2026, 3.9% above the same quarter a year earlier ($415K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
11 of 23 compared published fees sit above the California median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with California medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $10, the middle of its prices
Overdraft (OD)
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income was about level from Q3 2025 to Q2 2026, at $431K. Its share of revenue, 2.3%, is above the 2.2% median for banks with $1B to $10B in assets.
$431K
First Northern Bank of DixonMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $3 to $50; we compare the midpoint.
First Northern Bank of Dixon · $1.9B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Northern Bank of Dixon(this institution) | Dixon, CA | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank 7 | Oklahoma City, OK | $1.9B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| BankWest, Inc. | Pierre, SD | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Beneficial State Bank | Oakland, CA | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Blackhawk Bank & Trust | Milan, IL | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cornerstone Bank | Fargo, ND | $1.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Embassy Bank for the Lehigh Valley | Bethlehem, PA | $1.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fairfield County Bank | Ridgefield, CT | $1.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Fall River Five Cents Savings Bank | Fall River, MA | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Commerce Bank | Lakewood, NJ | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Financial Bank | El Dorado, AR | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank | Fort Pierre, SD | $2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First United Bank & Trust | Oakland, MD | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| FirstBank Southwest | Amarillo, TX | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Florence Bank | Florence, MA | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Kennebec Savings Bank | Augusta, ME | $1.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Montecito Bank & Trust | Santa Barbara, CA | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Newtown Savings Bank | Newtown, CT | $1.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Easton Savings Bank | South Easton, MA | $1.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oak Valley Community Bank | Oakdale, CA | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Citizens National Bank of Meridian | Meridian, MS | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Conway National Bank | Conway, SC | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| The Farmers & Merchants Bank | Stuttgart, AR | $2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The National Bank of Blacksburg | Blacksburg, VA | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Thomaston Savings Bank | Thomaston, CT | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Tri City National Bank | Oak Creek, WI | $2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10, the middle of its five prices, against a peer median of $8 among 12 publishing peers.
Its five checking prices are $3, $5, $10, $15 and $50.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for First Northern Bank of Dixon (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $431K | +$15K | +3.6% |
| Q1 2026 | $416K | +$2K | +0.5% |
| Q4 2025 | $414K | −$19K | −4.4% |
| Q3 2025 | $433K | +$18K | +4.3% |
| Q2 2025 | $415K | −$7K | −1.7% |
| Q1 2025 | $422K | −$4K | −0.9% |
| Q4 2024 | $426K | −$1K | −0.2% |
| Q3 2024 | $427K | −$10K | −2.3% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, First Northern Bank of Dixon left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Northern Bank of Dixon by share.
Amounts from First Northern Bank of Dixon’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Classic Checking Account Maintenance fee (audience not stated, treated as personal) | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maintenance Fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maintenance fee shown as Service | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maintenance Fee shown as Service Charge (audience not stated, treated as personal) | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Premier Interest Checking Monthly maintenance fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maintenance Fee (minimum daily balance falls below $500) (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| New Account Closure Fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Notice of Inactive Account | $2Below the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Paper Statement | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Excessive Withdrawal Fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft (OD) (audience not stated, treated as personal) | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| Out of Network ATM Fee | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Foreign Country ATM Cash Activity Fees | $2.50Inside the U.S. middle 50% ($2.06 to $5 nationally) | per item | None |
| FNB Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Domestic Wire Fee (audience not stated, treated as personal) | $40Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Domestic Wire Fee (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing International Wire Fee in (audience not stated, treated as personal) | $70Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Check (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Fee – Check, ACH | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks and Deposit Slips (audience not stated, treated as personal) | $2.50Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing for Non-Customers (audience not stated, treated as personal) | $25Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Collection Charges - Outgoing (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Collection Charges – Incoming (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Statement Check Image Fee (audience not stated, treated as personal) | $2Not compared: Monthly charge, not per item | per month | None |
Digital & Electronic | |||
| Bill Payment | $6Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Coin Processing for Consumer | 10% | Not stated | None |
| Customers: coin counter to count (audience not stated, treated as personal) | $60Above the U.S. middle 50% ($0 to $2.55 nationally) | Not stated | None |
| Deposited Item Returned or Cashed (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
| Night Deposit | $30Not compared: Annual charge, not per item | per year | None |
| Night Depository Services | $25Not compared: Annual charge, not per item | per year | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Drilling Fee | $300Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Replacement Key | $30Not compared: Box drilling or key fee | per item | None |
| Legal Process | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Special Statement Fees | $5Not compared: Monthly charge, not per item | per month | None |
| Statement Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Maintenance Fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maintenance fee shown as Service | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| New Account Closure Fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Notice of Inactive Account | $2Below the U.S. middle 50% ($5 to $10 nationally) | per item | None |
ATM & Card | |||
| Out of Network ATM Fee | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Foreign Country ATM Cash Activity Fees | $2.50Inside the U.S. middle 50% ($2.06 to $5 nationally) | per item | None |
| FNB Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Check Services | |||
| Stop Payment Fee – Check, ACH | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Digital & Electronic | |||
| Bill Payment | $6Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Coin Processing for Business Customers | $5.25 | Not stated | None |
| Night Deposit | $30Not compared: Annual charge, not per item | per year | None |
| Night Depository Services | $25Not compared: Annual charge, not per item | per year | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Drilling Fee | $300Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Replacement Key | $30Not compared: Box drilling or key fee | per item | None |
| Legal Process | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Special Statement Fees | $5Not compared: Monthly charge, not per item | per month | None |
| Statement Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 31, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where First Northern Bank of Dixon operates, and what regulators and customers have on file.
Branch footprint
17 offices in 1 state, $1.7B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 10 | $1.1B | |
| 4 | $451.5M | |
| Outside a metro area | 3 | $114.6M |
Sacramento-Roseville-Folsom, CA
1.2% of bank deposits, #10 of 37, down 0.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| U.S. Bank National Association | 40.9% |
| Wells Fargo Bank, National Association | 13.9% |
| Bank of America, National Association | 10.3% |
| JPMorgan Chase Bank, National Association | 10.2% |
| River City Bank | 5.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Sacramento-Roseville-Folsom, CA, First Northern Bank of Dixon holds 1.2% of bank deposits, #10 of 37, with 10 offices.
410 offices of 59 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 37 institutions shown. $96.6B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 1.2% share, 10 offices, #10 of 37
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
110 offices of 22 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
FIRST NORTHERN COMMUNITY BANCORP (Nasdaq: FNRN)
Consolidated assets
$1.9B
Shareholders' equity
$217.2M
As of
2026Q2
Net income by quarter
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 1114927. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.