Fremont Bank
Fremont Bank reported total assets of $6.0 bn at Q2 2026, up 2.0% on a year earlier, the 250th largest of 497 banks in our US coverage. The CET1 capital ratio at Fremont Bank was 10.69%, and the uninsured share of Fremont Bank was 46.30%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Fremont Bank climbed from 252nd to 144th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Fremont Bank reports one of the lowest tier 1 leverage ratio readings among banks of $1 bn to $10 bn: 8.35% at , where the median of the 339 banks is 10.45% (FDIC Call Reports).
- The common equity tier 1 (CET1) ratio of Fremont Bank, 10.69% at , places Fremont Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 13.22%; FDIC Call Reports).
What sets Fremont Bank apart
How large is Fremont Bank?
The balance sheet of Fremont Bank at : assets $6.0 bn, deposits $5.3 bn, net loans $4.7 bn (loans equal to 89.22% of deposits). Securities make up 4.8% of total assets at Fremont Bank. Since , when Fremont Bank held $3.3 bn, its assets grew 79.1%. In the year to , deposits at Fremont Bank rose 1.8% while its total assets rose 2.0%. At , Fremont Bank employed 748 full-time equivalent staff across 23 offices, about $8.0 mn of assets per employee and $230.8 mn of deposits per office.
How much funding at Fremont Bank is uninsured?
At Fremont Bank, uninsured deposits (above the FDIC limit) made up 46.30% of domestic deposits at (+2.24 pp on a year earlier); Fremont Bank ranks 120th of 500 on this measure. In dollars, Fremont Bank estimated $2.5 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $5.3 bn | +1.8% | 239th of 499 |
| Net loans and leases | $4.7 bn | +3.1% | 219th of 500 |
| Loan-to-deposit ratio | 89.22% | +1.12 pp | 208th of 500 |
| Tier 1 leverage ratio | 8.35% | +0.04 pp | 464th of 500 |
| Total risk-based capital ratio | 11.95% | -0.08 pp | 417th of 448 |
| Net interest margin | 4.09% | -0.03 pp | 119th of 500 |
| Return on assets (ROA) | 1.15% | +0.09 pp | 328th of 500 |
| Efficiency ratio | 73.37% | -0.09 pp | 454th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $28.3 mn | Narrowed by $5.3 mn | |
| Noncurrent loans to total loans | 0.39% | -0.14 pp | 144th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.01% | +0.02 pp | 101st of 500 (1 = lowest) |
US rank of Fremont Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Fremont Bank: assets, deposits and loans
- Total assets $6.0bn
- Deposits $5.3bn
- Net loans $4.7bn
Capital and securities
The CET1 ratio of Fremont Bank stood at 10.69% in , -0.09 pp year on year. Low and high at Fremont Bank since : 9.49% () to 10.93% (). Equity capital of Fremont Bank at : $466.0 mn, or 7.8% of total assets. Fremont Bank also reported a total capital ratio of 11.95% for , and a tier 1 leverage ratio of 8.35%.
The available-for-sale portfolio of Fremont Bank showed an unrealized loss of $28.3 mn at ; the loss narrowed by $5.3 mn over the year.
Fremont Bank: capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 8.4%
Fremont Bank: unrealized securities gains and losses
- Available for sale -$28mn
- Held to maturity $0
Profitability and loan quality
For the year to , Fremont Bank earned a return on equity of 14.72%; return on assets: 1.15%. Net interest margin at Fremont Bank: 4.09%, -0.03 pp in a year. Fremont Bank net income: $34.1 mn, up 10.2% year on year. The efficiency ratio of Fremont Bank was 73.37%: about 73 cents cost per revenue dollar, against 52 cents at the median peer.
At , noncurrent loans were 0.39% of total loans at Fremont Bank; net charge-offs: 0.01% of average loans. Gross loans and leases at Fremont Bank: $4.8 bn, up 3.1% in a year.
Fremont Bank: profitability
- Return on equity 15%
- Net interest margin 4.1%
- Return on assets 1.1%
Peer group of Fremont Bank
The peer group of Fremont Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 5 share the charter type of Fremont Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 3 have head offices in California. Against them, Fremont Bank shows CET1 ratio 10.69% against a peer median of 13.77%, return on equity 14.72% against a peer median of 13.66% and uninsured deposit share 46.30% against a peer median of 44.29%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| River City Bank | State nonmember bank | CA | $6.0 bn | 13.18% | 13.41% | 37.15% | |
| Banesco USA | State nonmember bank | FL | $6.0 bn | not reported | 13.92% | 62.37% | |
| Wilson Bank and Trust | State nonmember bank | TN | $6.0 bn | 14.35% | 14.98% | 25.36% | |
| Fremont Bank | State nonmember bank | CA | $6.0 bn | 10.69% | 14.72% | 46.30% | |
| Bank First | National bank | WI | $5.9 bn | 10.93% | 12.52% | 32.74% | |
| CTBC Bank Corp. (USA) | State nonmember bank | CA | $5.9 bn | not reported | 6.33% | 66.55% | |
| Farmers & Merchants Bank of Central California | State nonmember bank | CA | $5.8 bn | 14.74% | 15.04% | 51.44% | |
. FDIC Call Reports.
Last eight quarters
Two years at Fremont Bank, to : assets +1.0%, deposits +0.4%, equity +7.4%. Staff 740 to 748.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $5.9 bn | $5.8 bn | $5.8 bn | $5.8 bn | $6.1 bn | $5.9 bn | $5.9 bn | $6.0 bn |
| Total deposits | $5.3 bn | $5.2 bn | $5.2 bn | $5.2 bn | $5.5 bn | $5.3 bn | $5.3 bn | $5.3 bn |
| Bank equity capital | $433.7 mn | $434.4 mn | $444.3 mn | $449.8 mn | $460.5 mn | $460.2 mn | $463.0 mn | $466.0 mn |
| CET1 ratio | 10.63% | 10.75% | 10.73% | 10.78% | 10.93% | 10.75% | 10.89% | 10.69% |
| Return on equity (ROE) | 12.51% | 12.82% | 13.79% | 13.97% | 14.73% | 15.08% | 15.03% | 14.72% |
| Uninsured share of domestic deposits | 41.75% | 44.73% | 43.23% | 44.06% | 43.89% | 44.22% | 44.89% | 46.30% |
| Full-time equivalent employees | 740 | 734 | 723 | 723 | 724 | 730 | 731 | 748 |
| Number of offices | 23 | 23 | 23 | 23 | 23 | 23 | 23 | 23 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Fremont Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Fremont Bank?
Fremont Bank reported $6.0 bn at in its Call Report. That makes Fremont Bank the 250th largest of 497 banks in our US coverage.
Is Fremont Bank the same as its holding company?
No. This page covers Fremont Bank, FDIC certificate 19222; FREMONT BCORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Fremont Bank profitable?
Fremont Bank reported net income of $34.1 mn for the year to ; annualized return on equity: 14.72%. So yes: Fremont Bank made a profit over these months.
When is data for Fremont Bank next updated?
Figures from Fremont Bank for are due after .
Where can I check the figures for Fremont Bank?
In the FDIC BankFind Suite record for certificate 19222, and in the Call Reports of Fremont Bank (RSSD ID 739560) at the FFIEC Central Data Repository.