First Northern Bank of Dixon

Headquarters: Dixon, California
Charter: Bank
Assets: $1.9B
Fed district: San Francisco
Regulator: FDIC
Holding company: First Northern Community Bancorp

24 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 31, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 31, 2026

How these figures are measured

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) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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

Details

Source: FFIEC call report (bulk data)
Entity: First Northern Bank of Dixon (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $10, the middle of its prices
First Northern Bank of Dixon: $3 to $50
First Northern Bank of Dixon: $3 to $50
U.S. median: no median
Overdraft (OD)
First Northern Bank of Dixon: $32
First Northern Bank of Dixon: $32
U.S. median: no median
Non-Network ATM
First Northern Bank of Dixon: $2.50
First Northern Bank of Dixon: $2.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income was about level from Q3 2025 to Q2 2026, at $431K.

Service-charge income, Q2 2026

$431K

$433KQ3 2025

$414KQ4 2025

$416KQ1 2026

$431KQ2 2026

Against the median

First Northern Bank of DixonMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

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.

Banks only
$1.8B to $2.1B in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $2 (25%) above the median of similar-sized banks.

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

First Northern Bank of Di…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First Northern Bank of Dixon (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $431K
vs prior quarter: +$15K+3.6%; from Q1 2026
vs a year earlier: +$16K+3.9%; from Q2 2025
vs start of range: +$4K+0.9%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First Northern Bank of Dixon (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

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%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First Northern Bank of Dixon’s own schedules, with a source for each figure.

Account Maintenance

Classic Checking Account Maintenance fee (audience not stated, treated as personal)$3
per month
Maintenance Fee$50
per month
Maintenance fee shown as Service$5
per month
Maintenance Fee shown as Service Charge (audience not stated, treated as personal)$15
per month
Premier Interest Checking Monthly maintenance fee$10
per month
Maintenance Fee (minimum daily balance falls below $500) (audience not stated, treated as personal)$5
per month
New Account Closure Fee$25
Notice of Inactive Account$2
per item
Paper Statement$3
Excessive Withdrawal Fee (audience not stated, treated as personal)$10

Overdraft & NSF

Overdraft (OD) (audience not stated, treated as personal)$32
per item

ATM & Card

Out of Network ATM Fee$2.50
per item
Foreign Country ATM Cash Activity Fees$2.50
per item
FNB Debit Card Replacement Fee$10
per item

Wire Transfers

Outgoing Domestic Wire Fee (audience not stated, treated as personal)$40
per item
Incoming Domestic Wire Fee (audience not stated, treated as personal)No charge
Outgoing International Wire Fee in (audience not stated, treated as personal)$70
per item

Check Services

Cashier’s Check (audience not stated, treated as personal)$10
per item
Stop Payment Fee – Check, ACH$25
per item
Counter Checks and Deposit Slips (audience not stated, treated as personal)$2.50
Check Cashing for Non-Customers (audience not stated, treated as personal)$25
per item
Collection Charges - Outgoing (audience not stated, treated as personal)$25
per item
Collection Charges – Incoming (audience not stated, treated as personal)$25
per item
Statement Check Image Fee (audience not stated, treated as personal)$2
Not compared: Monthly charge, not per item
per month

Digital & Electronic

Bill Payment$6
per month

Cash & Deposit

Coin Processing for Consumer10%
Customers: coin counter to count (audience not stated, treated as personal)$60
Deposited Item Returned or Cashed (audience not stated, treated as personal)$10
per item
Night Deposit$30
Not compared: Annual charge, not per item
per year
Night Depository Services$25
Not compared: Annual charge, not per item
per year

Account Services

Notary ServiceNo charge
Safe Deposit Drilling Fee$300
Not compared: Box drilling or key fee
Safe Deposit Replacement Key$30
Not compared: Box drilling or key fee
per item
Legal Process$100

Other Fees

Special Statement Fees$5
Not compared: Monthly charge, not per item
per month
Statement Copy$2

Fee	Amount	Basis	Note
Account Maintenance
Classic Checking Account Maintenance fee (audience not stated, treated as personal)	$3	per month	None
Maintenance Fee	$50	per month	None
Maintenance fee shown as Service	$5	per month	None
Maintenance Fee shown as Service Charge (audience not stated, treated as personal)	$15	per month	None
Premier Interest Checking Monthly maintenance fee	$10	per month	None
Maintenance Fee (minimum daily balance falls below $500) (audience not stated, treated as personal)	$5	per month	None
New Account Closure Fee	$25	Not stated	None
Notice of Inactive Account	$2	per item	None
Paper Statement	$3	Not stated	None
Excessive Withdrawal Fee (audience not stated, treated as personal)	$10	Not stated	None
Overdraft & NSF
Overdraft (OD) (audience not stated, treated as personal)	$32	per item	None
ATM & Card
Out of Network ATM Fee	$2.50	per item	None
Foreign Country ATM Cash Activity Fees	$2.50	per item	None
FNB Debit Card Replacement Fee	$10	per item	None
Wire Transfers
Outgoing Domestic Wire Fee (audience not stated, treated as personal)	$40	per item	None
Incoming Domestic Wire Fee (audience not stated, treated as personal)	No charge	Not stated	None
Outgoing International Wire Fee in (audience not stated, treated as personal)	$70	per item	None
Check Services
Cashier’s Check (audience not stated, treated as personal)	$10	per item	None
Stop Payment Fee – Check, ACH	$25	per item	None
Counter Checks and Deposit Slips (audience not stated, treated as personal)	$2.50	Not stated	None
Check Cashing for Non-Customers (audience not stated, treated as personal)	$25	per item	None
Collection Charges - Outgoing (audience not stated, treated as personal)	$25	per item	None
Collection Charges – Incoming (audience not stated, treated as personal)	$25	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	$6	per month	None
Cash & Deposit
Coin Processing for Consumer	10%	Not stated	None
Customers: coin counter to count (audience not stated, treated as personal)	$60	Not stated	None
Deposited Item Returned or Cashed (audience not stated, treated as personal)	$10	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 charge	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	$100	Not stated	None
Other Fees
Special Statement Fees	$5Not compared: Monthly charge, not per item	per month	None
Statement Copy	$2	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

Account Maintenance

Maintenance Fee$50
per month
Maintenance fee shown as Service$5
per month
New Account Closure Fee$25
Notice of Inactive Account$2
per item

ATM & Card

Out of Network ATM Fee$2.50
per item
Foreign Country ATM Cash Activity Fees$2.50
per item
FNB Debit Card Replacement Fee$10
per item

Check Services

Stop Payment Fee – Check, ACH$25
per item

Digital & Electronic

Bill Payment$6
per month

Cash & Deposit

Coin Processing for Business Customers$5.25
Night Deposit$30
Not compared: Annual charge, not per item
per year
Night Depository Services$25
Not compared: Annual charge, not per item
per year

Account Services

Notary ServiceNo charge
Safe Deposit Drilling Fee$300
Not compared: Box drilling or key fee
Safe Deposit Replacement Key$30
Not compared: Box drilling or key fee
per item
Legal Process$100

Other Fees

Special Statement Fees$5
Not compared: Monthly charge, not per item
per month
Statement Copy$2

Fee	Amount	Basis	Note
Account Maintenance
Maintenance Fee	$50	per month	None
Maintenance fee shown as Service	$5	per month	None
New Account Closure Fee	$25	Not stated	None
Notice of Inactive Account	$2	per item	None
ATM & Card
Out of Network ATM Fee	$2.50	per item	None
Foreign Country ATM Cash Activity Fees	$2.50	per item	None
FNB Debit Card Replacement Fee	$10	per item	None
Check Services
Stop Payment Fee – Check, ACH	$25	per item	None
Digital & Electronic
Bill Payment	$6	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 charge	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	$100	Not stated	None
Other Fees
Special Statement Fees	$5Not compared: Monthly charge, not per item	per month	None
Statement Copy	$2	Not stated	None

Correct a fee source

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.

Branches and public record

Where First Northern Bank of Dixon operates, and what regulators and customers have on file.

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

8-KFORM 8-K2026-10-30View
10-QFORM 10-Q2026-08-07View
8-KFORM 8-K2026-07-30View
8-KFIRST NORTHERN COMMUNITY BANCORP FORM 8-K DATED MAY 19, 20262026-05-26View
10-QFORM 10-Q2026-05-07View
8-KFORM 8-K2026-04-30View
8-KFIRST NORTHERN COMMUNITY BANCORP FORM 8-K DATED APRIL 21, 20262026-04-22View
DEF 14AFORM DEF 14A2026-04-09View
8-KFIRST NORTHERN BANK FORM 8-K DATED MARCH 26, 20262026-03-31View
8-KFIRST NORTHERN COMMUNITY BANCORP FORM 8-K DATED MARCH 24, 20262026-03-24View
10-KFORM 10-K2026-03-13View
8-KFORM 8-K2026-01-30View

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

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