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Fremont Bank

$1B-$10B Specialty: Commercial CA FDIC cert 19222

Designations: ✓ Community bank

Fremont, CA

23 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
  • Deposits +1.8% year over year ($5.3B on the books).
  • Delinquency rate 0.40%.
  • Return on assets 1.15%.
  • Efficiency ratio 73.37% vs a 59.73% peer average.
  • Loan-to-deposit ratio 89.22% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in CA
View $1B-$10B leaderboard (CA) →

Fremont Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Non-Interest-Bearing Deposit Share 13.63% above tier average
  • + Net Interest Margin 0.22% above tier average
  • + Delinquency Rate 0.47% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 18.9% in tier
  • - ROA 0.24% below tier average
  • - Efficiency Ratio 13.64% above tier average
Get updates when Fremont Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $6.0B
+2.0% YoY +0.9% QoQ
+$3.2B $2.8B
-0.6% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
Top 10.3% in tier
Total Loans ? $4.7B
+3.1% YoY +2.2% QoQ
+$2.8B $2.0B
-0.3% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
Top 7.5% in tier
Total Deposits ? $5.3B
+1.8% YoY +0.8% QoQ
+$3.0B $2.3B
-0.5% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
Top 9.2% in tier
Return on Assets ? 1.15%
+8.3% YoY -2.0% QoQ
-0.24% 1.39%
+17.0% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
41%
Net Interest Margin ? 4.09%
-0.8% YoY -0.2% QoQ
+0.22% 3.87%
+6.2% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
73%
Efficiency Ratio ? 73.37%
-0.1% YoY +1.7% QoQ
+13.64% 59.73%
-12.6% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
15%
Delinquency Rate ? 0.40%
-26.5% YoY +16.3% QoQ
-0.47% 0.87%
+11.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
61%
Loan-to-Deposit Ratio ? 89.22%
+1.3% YoY +1.4% QoQ
+4.19% 85.04%
-0.1% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
44%
Non-Interest-Bearing Deposit Share ? 34.91%
+4.3% YoY +0.8% QoQ
+13.63% 21.27%
-1.5% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Top 8.6% in tier
Nonperforming Asset Ratio ? 0.32%
-24.9% YoY +17.6% QoQ
-0.35% 0.67%
+11.7% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
60%
Tier 1 Capital Ratio ? 10.69%
-0.8% YoY -1.8% QoQ
-4.15% 14.84%
-0.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
Bottom 13.2% in tier
Non-Interest Income / Assets ? 0.43%
+24.9% YoY +114.0% QoQ
-0.09% 0.53%
+2.5% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
74%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 34.9%
+1.4pp YoY
+0.3pp QoQ
 +13.5pp 21.4% 25.5% 22.2% 91%
Brokered Deposits n/a n/a 9.5% 11.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 8.0%
-0.8pp YoY
-0.2pp QoQ
 -6.0pp 14.0% 11.8% 12.5% 34%
CRE 38.1%
+1.3pp YoY
+1.5pp QoQ
 -12.0pp 50.0% 67.5% 41.4% 21%
1-4 Family 55.3%
-0.6pp YoY
-1.2pp QoQ
 +28.9pp 26.4% 16.5% 31.3% 93%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.7pp 4.7% 5.3% 5.0% 8%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 10.7%
-0.1pp YoY
-0.2pp QoQ
 -4.9pp 15.6% 23.7% 19.7% 5%
Leverage Ratio 8.4%
0.0pp YoY
+0.1pp QoQ
 -3.0pp 11.3% 14.5% 12.6% 4%
Total Capital Ratio 12.0%
-0.1pp YoY
-0.2pp QoQ
 -4.7pp 16.7% 25.1% 20.8% 8%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 748
+25 (+3.5%) YoY
+17 (+2.3%) QoQ
 +434 313 337 482 94%
Assets per Employee ($) $8.0M
-1.4% YoY
-1.4% QoQ
 -$2.5M $10.5M $11.3M $8.8M 39%
Branch Count 23
0 YoY
0 QoQ
 +3 20 15 18 72%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.1pp 0.2% 0.3% 0.4% 75%
Nonaccrual 0.3%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 0.8% 1.4% 1.0% 32%
Allowance Coverage 3.95x
+36.3% YoY
-15.2% QoQ
 -14.76x 18.71x 17.11x 20.23x 72%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.2% 31%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 14.7%
+0.8pp YoY
-0.3pp QoQ
 +2.1pp 12.6% 8.2% 11.6% 71%
Cost of Funds (YTD) 1.4%
-0.1pp YoY
0.0pp QoQ
 -0.5pp 1.9% 1.9% 1.7% 18%
Net Income ($, YTD) $34.1M
+10.2% YoY
— QoQ
 +$14.8M $19.2M $28.5M $40.4M 85%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#43 of 222 • Bottom 18.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.69%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

67
Total Loans
size
Value: $4.74B
Peer Median: $1.96B
#67 of 885 Top 7.5% in $1B-$10B
77
Non-Interest-Bearing Deposit Share
funding
Value: 34.91%
Peer Median: 21.27%
#77 of 885 Top 8.6% in $1B-$10B
82
Total Deposits
size
Value: $5.31B
Peer Median: $2.32B
#82 of 885 Top 9.2% in $1B-$10B
92
Total Assets
size
Value: $5.97B
Peer Median: $2.79B
#92 of 885 Top 10.3% in $1B-$10B

Top Weaknesses (2 metrics)

769
Tier 1 Capital Ratio
capital
Value: 10.69%
Peer Median: 14.84%
#769 of 885 Bottom 13.2% in $1B-$10B
750
Efficiency Ratio
profitability
Value: 73.37%
Peer Median: 59.73%
#750 of 885 Bottom 15.4% in $1B-$10B
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