first northern bank of dixon
First Northern Bank of Dixon is a privately held California community bank founded in 1910 that provides personal and business banking, lending, cash management, and merchant services to consumers, small and mid-size businesses, and selected industry verticals across Northern California.
- Company typePrivate
- Founded1910
- HeadquartersDixon, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What first northern bank of dixon does
First Northern Bank of Dixon is a privately held, California-chartered community bank founded in 1910, headquartered in Dixon, California, and serving Northern California consumers, small and mid-size businesses, and selected industry verticals. The bank operates a full-service retail and commercial banking platform encompassing checking, savings, money market, certificates of deposit, and retirement accounts on the deposit side; home mortgages, HELOCs, commercial real estate loans, business term loans, lines of credit, SBA loans, agribusiness loans, and the Lightning Loans small-business credit product ($2,500–$50,000, approval in minutes) on the lending side; plus cash management, remote deposit capture, payroll, positive pay, and merchant services for businesses. Wealth management is delivered through a referral partnership with Raymond James under the First Northern Advisors (FNA) brand, and credit card issuance is operated through Elan Financial Services.
The technology stack is conventional community-bank infrastructure rather than proprietary fintech: the online, mobile, and text banking platform is provided by Kasasa; debit-card fraud management is delivered via the third-party CardValet application; ATM access is provided through the MoneyPass surcharge-free network (40,000+ locations); and credit cards are issued through Elan. Distribution is omnichannel across physical branches, online and mobile banking, telephone banking (TeleBank), and the MoneyPass ATM network. The bank's go-to-market centers on relationship-based community banking with local decision-making authority, supplemented by a vertical-specialization strategy packaged as industry-specific business bundles across agribusiness, healthcare and life sciences, investors and developers, business professionals, clean/green energy, information and communication technologies, non-profits, and advanced manufacturing.
Revenue is generated primarily through net interest income on the loan portfolio, supplemented by deposit and overdraft fees, cash management and merchant services fees, an affiliate referral stream from Raymond James wealth management, and a revenue-share from Elan credit card services. Specific pricing, financial results, asset size, and headcount are not disclosed on the company's public website; the bank operates as an independent entity with no disclosed parent company, holding company structure, institutional investor, or public listing.
first northern bank of dixon firmographics
Firmographics- Name
- first northern bank of dixon
- Legal name
- First Northern Bank
- Website
- https://firstnorthernbank.com
- Company type
- Private
- Founded year
- 1910
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- First Northern Bank of Dixon is a privately held California community bank founded in 1910 that provides personal and business banking, lending, cash management, and merchant services to consumers, small and mid-size businesses, and selected industry verticals across Northern California.
- Ownership category
- akta.pro rank
first northern bank of dixon industry classification
Industry- Product category
- Community Banking
- NAICS
- Depository Credit Intermediation (5221), Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (52218)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
Keywords
Where first northern bank of dixon is headquartered
LocationHeadquarters
- HQ city
- Dixon
- HQ country
- United States
- HQ region
- North America
Markets served
first northern bank of dixon business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income: Traditional bank lending revenue from commercial real estate loans, business term loans, home mortgages, HELOCs, and other credit products. Core revenue driver for community banks.
- Deposit Fees and Service Charges: Fees from checking accounts, statement savings, money market accounts, and other deposit products. Includes overdraft fees and service charges.
- Cash Management and Merchant Services: Revenue from business cash management services including payroll services, merchant processing, positive pay, and invoicing & payments.
- Wealth Management Referral: Referral revenue from First Northern Advisors (FNA) partnership with Raymond James for investment and wealth management services.
- Credit Card Services: Revenue share from credit card products offered through Elan Financial Services partnership.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Lightning Loans: $2,500 to $50,000 small business line of credit or loan |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
first northern bank of dixon product offering
Product offeringCore offering
First Northern Bank of Dixon is a community bank providing personal and business banking services including checking, savings, money market, CDs, IRAs, mortgages, HELOCs, business term loans, commercial real estate loans, SBA loans, agribusiness loans, cash management services, and credit cards. The bank serves consumers and businesses across Northern California through dedicated branches, online/mobile banking, and industry-specific bundles for verticals such as agribusiness, healthcare, clean energy, non-profits, and advanced manufacturing, with wealth management delivered via a partnership with Raymond James.
Product overview
First Northern Bank offers a comprehensive traditional banking platform organized into three main segments: Business Banking (checking, savings, loans, industry-specific bundles, and cash management services), Personal Banking (checking, loans, and savings products), and Wealth Management through First Northern Advisors (FNA) in partnership with Raymond James. The bank provides digital banking capabilities including online and mobile banking with mobile deposit, along with CardValet for fraud protection. Lightning Loans represents a fast-approval small business lending product. The portfolio is structured as a platform of core banking products supplemented by digital add-on services.
Differentiator
Problem solved
Functional benefit
Brands
- First Northern Advisors (FNA): Wealth management division of First Northern Bank, operated in partnership with Raymond James.
- Lightning Loans
- CardValet
Products and services
- Business Banking Products Comprehensive business banking suite including checking accounts (Simply Business Checking, Business Interest Checking, Business Growth Checking, Commercial Checking), business savings options (Statement Savings, Money Market, CDs, Insured Cash Sweep, Business Retirement Account), and business loans (Commercial Real Estate, Term Loans, Lines of Credit, Lightning Loans, SBA, Agribusiness). Designed for small to mid-size businesses in Northern California.
- Business Bundles Industry-specific bundled banking solutions for Agribusiness, Healthcare & Life Sciences, Investors & Developers, Business Professionals (Financial, Legal & Accountancy), Non-Profit Organizations, Clean (Green) Energy, Information & Communication Technologies, and Advanced Manufacturing. Each bundle combines tailored banking services to meet vertical-specific needs.
- Lightning Loans Small business line of credit or loan ranging from $2,500 to $50,000 with approval in minutes, designed for small business owners needing quick access to working capital.
- Cash Management Services Business cash management suite including Online Banking & Bill Pay, Mobile Banking, Remote Deposit Capture, Invoicing & Payments, Payroll Services, Positive Pay, and Merchant Services. Designed for businesses to manage operational cash flow and payments.
- Personal Banking Products Personal banking including checking (Simply Checking, Premier Interest Checking, 50+ Interest Checking), loans (Home Mortgage, HELOC), and savings (Statement Savings, Minor's Savings, Money Market, CDs, Holiday Club, HSA, IRAs). Designed for individual consumers and households.
- Online & Mobile Banking Digital banking platform enabling customers to access accounts, pay bills, deposit checks via mobile device, and manage finances through web and mobile applications. Includes text banking, TeleBank, eStatements, and mobile deposit.
- CardValet Mobile app for debit card fraud control that allows users to manage and monitor their debit card whenever and wherever they are, with spending controls and fraud alerts.
- First Northern Advisors (FNA) Wealth management and investment advisory services provided in partnership with Raymond James, offering financial planning and investment services to bank customers.
- Business Credit Cards Business credit cards offered through Elan Financial Services partnership, accessed through the myaccountaccess.com portal.
- Personal Credit Cards Personal credit cards offered through Elan Financial Services partnership, accessed through the myaccountaccess.com portal.
Companies that use first northern bank of dixon
Customer profileSegments10 records
Ideal customer profiles6 records
first northern bank of dixon technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability2 records
Feature5 records
first northern bank of dixon partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Raymond JamescoreFirst Northern Advisors (FNA) is a strategic partnership providing wealth management and investment services to bank customers through Raymond James, a major financial services firm. Bank customers are referred for investment services and financial planning.
- MoneyPassminorSurcharge-free ATM network providing customers access to over 40,000 ATMs nationwide through the MoneyPass network partnership.
- Elan Financial ServicescoreCredit card program partner providing business and personal credit cards to bank customers. Services accessed through myaccountaccess.com portal.
Scale indicators1 record
Recent moves5 records
Expansion highlights5 records
first northern bank of dixon competitors and assessment
Company assessmentDirect peers
- Tri Counties Bank: California-based community bank serving Northern and Central California with personal, business, and agricultural banking products. Comparable as a regional community bank with similar agribusiness and SMB focus across overlapping California geographies.
- Bank of Marin: Northern California community bank serving consumers and small-to-mid-sized businesses with similar deposit, lending, and cash management products. Comparable in regional California focus and SMB customer orientation.
- Mechanics Bank: California-headquartered community bank serving consumers and businesses across Northern and Southern California with comparable deposit, lending, and treasury products. Similar independent community-bank model with California branch concentration.
- Westamerica Bancorporation: California-focused community bank holding company providing traditional banking services across Northern and Central California. Directly comparable as a California regional bank with similar deposit and small-business lending products.
- Five Star Bank: California-based community bank providing personal and business banking products with a focus on relationship-based service and local decision-making. Comparable in independent community-bank structure and California SMB customer base.
- Bank of Stockton: Independent, family-owned California community bank offering personal and business banking, including agribusiness and commercial real estate lending. Directly comparable in business model, California regional footprint, and customer segment focus.
- Heritage Bank of Commerce: Silicon Valley-based community bank providing business and personal banking with emphasis on SBA lending and SMB treasury services. Comparable in business banking focus and California regional footprint, particularly in SMB segments.
Broad incumbents
- CVB Financial (Citizens Business Bank): California-based super-community bank focused on business banking, commercial lending, and treasury services. Comparable in commercial banking orientation and California footprint, though operating at materially larger scale.
- Umpqua Bank: Pacific Northwest-headquartered super-community bank offering business and consumer banking, including commercial lending and treasury services. Comparable in community banking business model and SMB focus, though operating across broader multi-state footprint.
- Pacific Premier Bancorp: Larger publicly-traded California-based super-community bank offering similar deposit, lending, and treasury products at greater scale. Comparable in product set and California focus but with significantly larger geographic footprint and capital base.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
first northern bank of dixon social profiles
Digital presencefirst northern bank of dixon financial estimates
Financial estimateRevenue estimate
Valuation estimate
first northern bank of dixon leadership team
Management profileNumber of profiles
first northern bank of dixon funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
first northern bank of dixon M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about first northern bank of dixon
What does first northern bank of dixon do?
First Northern Bank of Dixon is a community bank providing personal and business banking services including checking, savings, money market, CDs, IRAs, mortgages, HELOCs, business term loans, commercial real estate loans, SBA loans, agribusiness loans, cash management services, and credit cards. The bank serves consumers and businesses across Northern California through dedicated branches, online/mobile banking, and industry-specific bundles for verticals such as agribusiness, healthcare, clean energy, non-profits, and advanced manufacturing, with wealth management delivered via a partnership with Raymond James.
Is first northern bank of dixon a public or private company?
first northern bank of dixon is a private company. It is classified as unknown and is currently operating.
When was first northern bank of dixon founded?
first northern bank of dixon was founded in 1910. It employs 101 to 250 people.
Where is first northern bank of dixon based?
first northern bank of dixon is headquartered in Dixon, United States, in the North America region.
How does first northern bank of dixon make money?
Five revenue lines are on record. Interest Income is the primary driver. The others are deposit Fees and Service Charges, cash Management and Merchant Services, wealth Management Referral and credit Card Services.
Who are first northern bank of dixon's main competitors?
Direct peers on record are Tri Counties Bank, Bank of Marin, Mechanics Bank, Westamerica Bancorporation, Five Star Bank, Bank of Stockton and Heritage Bank of Commerce. Broad incumbents are CVB Financial (Citizens Business Bank), Umpqua Bank and Pacific Premier Bancorp.
Does first northern bank of dixon have an API?
No public API is recorded for first northern bank of dixon.
What industry is first northern bank of dixon in?
first northern bank of dixon's product category is Community Banking. Its primary akta.pro industry code is FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 5221 and its SIC code is 6022.