STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
93
2010–2026
Total Volume
$68M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
93 total segments
First Northern Bank of Dixon is a strong choice for borrowers seeking 504 loans, as 78% of their SBA deals are 504s, significantly higher than the national average of 18%. This indicates a solid focus on real estate and expansion financing.
With an average deal size of $730,048, First Northern Bank of Dixon caters well to medium-sized businesses. If your financing needs fall within the $150K to $2M range, you are likely to find a suitable option here.
The bank's average spread for 7(a) loans is P+2.21%, which is more favorable compared to the national median of P+2.75%. This could lead to lower overall borrowing costs for your 7(a) loan if you choose to go that route.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 73 504 loans, which use fixed SBA debenture rates.
States where FIRST NORTHERN BANK OF DIXON has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Legal Services
Professional Services
Food & Beverage Stores
Retail Trade
Physician & Dental Offices
Health Care & Social Assistance
Gas Stations
Retail Trade
Engineering & Architecture
Professional Services
Real Estate
Real Estate
Other Professional Services
Professional Services
+ 7 more
All recorded SBA lending activity for FIRST NORTHERN BANK OF DIXON, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Gas Stations · $1M – $2M | 504 | 5 | — | $1.3M | Q4 2018 |
| California · Specialty Trade Contractors · $150K – $350K | 504 | 4 | — | $219K | Q3 2019 |
| California · Specialty Trade Contractors · $350K – $500K | 504 | 4 | — | $402K | Q2 2023 |
| California · Auto Repair & Maintenance · $150K – $350K | 504 | 3 | — | $244K | Q2 2017 |
| California · Specialty Trade Contractors · $1M – $2M | 504 | 3 | — | $1.3M | Q4 2025 |
| California · Management & IT Consulting · $150K – $350K | 504 | 2 | — | $186K | Q2 2010 |
| California · Manufacturing · Under $150K | 7(a) | 2 | P+2.63% | $100K | Q2 2011 |
| California · Engineering & Architecture · $2M – $5M | 504 | 2 | — | $2.3M | Q3 2024 |
| California · Finance & Insurance · Under $150K | 7(a) | 2 | P+2.25% | $76K | Q3 2012 |
| California · Other Professional Services · $500K – $1M | 504 | 2 | — | $664K | Q3 2022 |
| California · Hotels & Accommodation · $2M – $5M | 504 | 2 | — | $4.2M | Q2 2025 |
| California · Food & Beverage Stores · $350K – $500K | 504 | 2 | — | $412K | Q2 2023 |
| California · Physician & Dental Offices · $150K – $350K | 504 | 2 | — | $158K | Q3 2021 |
| California · Food & Beverage Stores · $500K – $1M | 504 | 2 | — | $690K | Q4 2023 |
| California · Administrative & Waste Services · $500K – $1M | 504 | 2 | — | $650K | Q1 2015 |
| California · Physician & Dental Offices · $500K – $1M | 7(a) | 2 | P+2.00% | $771K | Q4 2010 |
| California · Real Estate · $350K – $500K | 504 | 2 | — | $409K | Q4 2019 |
| California · Manufacturing · $500K – $1M | 504 | 1 | — | $730K | Q4 2017 |
| California · Social Assistance · $350K – $500K | 504 | 1 | — | $467K | Q3 2022 |
| California · Wholesale Trade · $150K – $350K | 504 | 1 | — | $270K | Q2 2022 |
| California · Restaurants & Food Service · $1M – $2M | 504 | 1 | — | $1.1M | Q4 2022 |
| California · Engineering & Architecture · $150K – $350K | 504 | 1 | — | $211K | Q4 2015 |
| California · Other Health Practitioners · $500K – $1M | 504 | 1 | — | $756K | Q1 2018 |
| California · Other Repair & Services · $350K – $500K | 504 | 1 | — | $452K | Q4 2019 |
| California · Education · $1M – $2M | 504 | 1 | — | $1.7M | Q3 2022 |
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Real experiences from borrowers who closed SBA loans with FIRST NORTHERN BANK OF DIXON.
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