Consulting Center Client

First Northern Bank

Operating First Northern Bank was established in Dixon, California over 102 years ago.  Since then, the Bank has grown into one of the oldest independently owned community banks in California.  The Bank has $800 million in assets and employs 203 FTE.

First Northern Bank currently has 10 branches, two real estate mortgage offices, three Investment & Advisory Offices, Trust Services and SBA Lending.  The Bank’s service area includes Solano, Yolo, Sacramento, Placer and the western slope of El Dorado County. 

The Bank employs experts in the areas of commercial lending, agribusiness lending, small business lending, real estate mortgage lending, Investment Advisory & Trust Services, non-profit & association banking, as well as banking for professionals.

Until 2005, the First Northern Bank’s primary business development focus  was on the business sector.  In 2005, management decided to broaden out its marketing efforts to include the consumer segment to attract additional low cost deposits through offering Free.  This strategy would provide additional funds to lend out to businesses, as well as help to absorb the bank’s excess branch capacity.  This initiative increased the consumer portion of the bank’s business, and grew the number of products & services per customer relationship.

In 2010, expansive financial reform legislation went into effect, increasing the cost of doing business and decreasing the ability to earn income from key segments of the business.  Differentiation is critical to remain competitive – key FNB differentiators include:

  • Superior Service:  employees on the front line have decision-making authority
  • Free Checking for individuals, businesses, and non-profits
  • Relationship bankers are out in the community, serve on community boards, are members of service clubs, etc.
  • Employees volunteer in the community (hours are tracked)
  • Free ATM transactions nationwide
  • Agribusiness loans, mortgage loans, investment advisory & trust services.