BlastPoint's Banking Scorecard
Fremont Bank
Designations: ✓ Community bank
Fremont, CA
23 branches across CA
Fremont Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 72.1% in tier
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 16.3% in tier
- - ROA 0.19% below tier average
- - Efficiency Ratio 11.11% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.9B
+1.2% YoY
+0.1% QoQ
|
+$3.1B |
$2.8B
-0.1% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
Top 10.6% in tier |
| Total Loans ? |
$4.6B
+1.0% YoY
-1.1% QoQ
|
+$2.7B |
$2.0B
+0.6% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
Top 8.3% in tier |
| Total Deposits ? |
$5.3B
+1.0% YoY
+0.2% QoQ
|
+$2.9B |
$2.3B
-0.3% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
Top 9.5% in tier |
| Return on Assets ? |
1.17%
+12.8% YoY
+2.2% QoQ
|
-0.19% |
1.37%
+19.6% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
46% |
| Net Interest Margin ? |
4.10%
+1.1% YoY
-1.5% QoQ
|
+0.28% |
3.82%
+6.9% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
76% |
| Efficiency Ratio ? |
72.17%
-2.4% YoY
-0.5% QoQ
|
+11.11% |
61.06%
-4.6% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
20% |
| Delinquency Rate ? |
0.34%
-50.5% YoY
-20.9% QoQ
|
-0.54% |
0.89%
+14.1% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
87.95%
-0.0% YoY
-1.3% QoQ
|
+3.75% |
84.20%
+0.3% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
34.63%
+6.3% YoY
+6.6% QoQ
|
+13.34% |
21.29%
-2.5% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Top 9.6% in tier |
| Nonperforming Asset Ratio ? |
0.27%
-50.0% YoY
-23.2% QoQ
|
-0.40% |
0.67%
+15.6% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
66% |
| Tier 1 Capital Ratio ? |
10.89%
+1.5% YoY
+1.3% QoQ
|
-4.27% |
15.16%
+2.0% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
15% |
| Non-Interest Income / Assets ? |
0.20%
+24.5% YoY
-73.0% QoQ
|
-0.06% |
0.26%
+1.6% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
73% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.