Question 1

What is First Northern Bank of Dixon?

Accepted Answer

First Northern Bank of Dixon is an independent community bank headquartered in Dixon, California. Founded in 1910, the bank specializes in relationship banking with a strong focus on commercial, agricultural, real estate, and small business lending.

With approximately $1.9 billion in assets and 21 offices across Northern California, First Northern Bank serves Solano, Yolo, Sacramento, Placer, El Dorado, Glenn, and Colusa counties. The bank is one of only 14 California-based banks that has surpassed the century mark and is the only one in that group that has achieved its success through organic growth without mergers or acquisitions.

Question 2

When was First Northern Bank of Dixon founded?

Accepted Answer

First Northern Bank opened for business on February 1, 1910. On January 20, 1910, 25 men and women from Dixon organized a state-chartered savings bank called Northern Solano Bank, electing Henry R. Timm of Dixon as its first president.

The bank began operations in a remodeled former ice cream parlor with a staff of two, backed entirely by local capital with no outside investment or affiliations. In 1912, the organizers established the First National Bank of Dixon as a commercial bank, and both banks operated under the same roof with the same shareholders and management until 1955, when they consolidated into the First National Bank of Dixon.

On January 1, 1980, the bank relinquished its federal charter in favor of a state charter and changed its name to First Northern Bank of Dixon. In 1996, the Board of Directors formally adopted a Policy of Independence, cementing the bank's commitment to remaining locally owned and operated.

Question 3

Where is First Northern Bank of Dixon headquartered?

Accepted Answer

First Northern Bank of Dixon is headquartered in Dixon, California, in Solano County. The bank's corporate offices and main branch remain at the historic location where the institution was founded over a century ago.

Question 4

Where does First Northern Bank of Dixon operate?

Accepted Answer

First Northern Bank operates primarily across Northern California's Central Valley and surrounding counties. The bank maintains 21 offices across seven counties: Solano, Yolo, Sacramento, Placer, El Dorado, Glenn, and Colusa.

Full-service branches are located in Dixon, Winters, Roseville, Auburn, Davis, West Sacramento, Sacramento, Vacaville, Fairfield, Rancho Cordova, Woodland, Orland, Willows, and Colusa. The bank also has a commercial loan office in Walnut Creek (Contra Costa County) and mortgage loan offices in Davis and Sonoma, with mortgage loan officers available to meet clients at any branch location.

Question 5

What services does First Northern Bank of Dixon offer?

Accepted Answer

First Northern Bank offers a comprehensive suite of banking services for both personal and business customers. Personal banking services include checking and savings accounts, money market accounts, certificates of deposit, home equity loans, and residential mortgages.

Business banking services include commercial loans, agricultural loans, real estate construction loans, SBA lending (the bank is an SBA Preferred Lender), and treasury management services. The bank also offers wealth management services through its Asset Management & Trust Department, which received trust powers from the California Department of Financial Institutions and FDIC in 2002.

Digital banking services include online banking, mobile banking with mobile deposit, bill pay, account transfers, and ATM location services. The bank's mobile app is available for both iOS and Android devices and features SSL encryption for secure transactions. Investment and brokerage services are available at every branch location through First Northern Advisors, provided in partnership with Raymond James Financial Services.

Question 6

What makes First Northern Bank of Dixon unique?

Accepted Answer

First Northern Bank stands out as one of California's oldest independent community banks, maintaining its commitment to local ownership and decision-making for over 114 years. Unlike many peer institutions, the bank has never participated in a merger or acquisition, building its success entirely through organic growth.

The bank is an environmental leader, having installed 1,675 photovoltaic solar panels across four buildings in 2008, generating approximately 296 kilowatts of electricity and reducing electric bills by 60% annually. This sustainability commitment extends to paperless operations, hybrid courier vehicles since 2005, and comprehensive recycling programs.

First Northern Bank has been ranked as the region's #1 local small business lender for over 12 years and holds the leading community bank position in business core deposit market share in 8 of its 11 markets. The bank is rated as a "Superior" 5-Star Bank by BauerFinancial, Inc., and descendants of the bank's original founders remain shareholders and customers today.

Question 7

What type of financial institution is First Northern Bank of Dixon?

Accepted Answer

First Northern Bank of Dixon is a state-chartered community bank operating under California state banking regulations. Originally founded as a federally chartered national bank, it converted to a state charter in 1980 to operate with greater flexibility and higher lending limits.

As a community bank, First Northern focuses on relationship-based banking with local decision-making authority, serving the specific financial needs of businesses and individuals in Northern California. The bank operates as a subsidiary of First Northern Community Bancorp, a bank holding company established in 2000. The institution has been FDIC insured since January 1, 1934.

Question 8

What is First Northern Bank's commitment to community involvement?

Accepted Answer

First Northern Bank has demonstrated significant commitment to the communities it serves, contributing over $2.0 million in direct financial support and in-kind services over a 13-year period through 2020. Bank employees contribute an average of over 7,000 volunteer hours annually to local organizations and causes.

The bank's community reinvestment philosophy is rooted in its founding principle: to address specific personalized needs within the local community. This commitment is formalized through the bank's Policy of Independence, which emphasizes supporting and reinvesting in each community the bank serves rather than being driven by external corporate interests.

Question 9

How has First Northern Bank adapted to changing banking technology?

Accepted Answer

First Northern Bank has successfully balanced traditional relationship banking with modern technology adoption. Over 60% of the bank's checking account customers use online banking services, and the bank offers a full-featured mobile app with capabilities including mobile deposit, bill pay, fund transfers, and branch/ATM locators.

Business customers benefit from remote deposit capture technology, allowing them to deposit checks directly from their offices using check scanners. The bank has moved all procedures, policy manuals, timecards, supply orders, and internal communications online, demonstrating its commitment to digital transformation while maintaining the personal touch that defines community banking.

Despite these technological advances, the bank maintains its focus on personalized service and local decision-making, ensuring that technology enhances rather than replaces the human relationships at the core of its business model.

First Northern Bank of Dixon

in the United States 🇺🇸

Crypto-Friendliness

All done!

About First Northern Bank of Dixon in the United States