FREMONT BANK

FREMONT, CA | Large | Est. Sept. 3, 1964, midnight | FDIC #19222 | RSSD #739560 | FDIC
Latest Report: 2025-12-31

FREMONT BANK is aln large FDIC-insured commercial bank headquartered in FREMONT, CA, established in Sept. 3, 1964, midnight. As of 2025-12-31, the bank reported total assets of $5.9B and total deposits of $5.3B. Profitability stands at 1.22% ROA and 16.00% ROE, with a net interest margin of 4.29%. The bank's CET1 capital ratio is 10.75%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.43% and a Texas Ratio of 3.94%. FDIC Certificate #19222.

Assets

$5.9B

Deposits

$5.3B

Loans

$4.8B

Equity

$460M

Profitability

Return on Assets (ROA) 1.22%
Return on Equity (ROE) 16.00%
Net Interest Margin (NIM) 4.29%
Yield on Assets 5.86%
Cost of Funds 1.83%

Asset Quality

NPL Ratio 0.43%
Net Charge-Off Ratio 0.03%
Texas Ratio 3.94%
NPA Ratio 0.36%
ACL / Loans 1.54%

Capital & Liquidity

CET1 Ratio 10.75%
Tier 1 Capital 10.75%
Total Capital Ratio 12.00%
Leverage Ratio 8.05%
Loan-to-Deposit 90.49%

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