Fremont Bank
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Data as of · sourced from FFIEC call reports. How we update
Fremont Bank is an FDIC-insured commercial bank headquartered in Fremont, CA, established in 1964 (FDIC certificate 19222), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $5.97B, up 2.0% from Q2 2025, the 18th largest of 113 banks headquartered in California. Its CET1 capital ratio was 10.69% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19222
- Headquarters
- Fremont, CA
- Established
- 1964
- Total assets, Q2 2026
- $5.97B
- Assets vs Q2 2025
- +2.0%
- CET1 ratio, Q2 2026
- 10.69%
- Domestic offices
- 23 FDIC institution directory, current count
- Routing number
- 121107882
- Holding company
- FREMONT BANCORPORATION
- Asset rank in state
- 18th of 113 in California
Fremont Bank, based in Fremont, California, reported $6.0 billion in assets at June 30, 2026, up 2.0% from a year earlier. It pays an average of 1.16% on its deposits and borrowings, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). On the other hand, it holds common equity equal to 10.69% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.52%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.39% of loans, down from 0.54% a year earlier. Costs are the weak spot: it spends about 74 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Fremont Bank reported a CET1 capital ratio of 10.69%, a return on assets of 1.14%, a nonperforming-loan ratio of 0.39% and a Texas ratio of 3.57%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Fremont Bank is the 18th largest of the 113 banks headquartered in California. From Q1 2026 to Q2 2026, its total assets rose 0.9% to $5.97B, loans rose 2.2% and deposits rose 0.8%. 1-4 family residential loans made up 54.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 16.7%. Its 22 offices in the FDIC Summary of Deposits are in 18 cities in CA; its Fremont 4 offices book 29% of its branch deposits. By the capital ratios in its Q2 2026 call report, Fremont Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 39150 Fremont Blvd, Fremont, CA 94538
- County
- Alameda
- Metro Area
- San Francisco-Oakland-Fremont, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- September 3, 1964
- Domestic offices
- 23 FDIC institution directory, current count
- Employees (FTE)
- 748
- Domestic deposits
- $5.31B
- Allowance for credit losses
- $75.0M
- Net charge-offs (YTD)
- $231K
- Average total assets
- $5.87B
- Average total loans
- $4.75B
- Average interest-bearing deposits
- $4.95B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 3, 1964
- FDIC Cert
- 19222
- Fed RSSD
- 739560
- SEC CIK
- 38979 → filed by FREMONT BANCORPORATION
- Website
- www.fremontbank.com →
- Parent Holding Company
- FREMONT BANCORPORATION (RSSD 1026801)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Fremont Bank's total assets ran between $5.61B (Q4 2023) and $6.12B (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.97B total assets against $5.85B; $5.50B total liabilities against $5.40B.
$4.74B net loans and leases against $4.59B; $5.31B total deposits against $5.21B.
$289.0M securities against $369.9M; $643.4M cash and balances due against $580.9M.
$77.1M total interest income against $77.7M; $19.9M total interest expense against $20.4M.
$57.2M net interest income against $57.3M.
$13.9M total noninterest income against $10.8M; $53.0M total noninterest expense against $49.7M.
$786K provision for credit losses against $2.0M.
$16.7M net income against $15.8M.
1.14% return on assets against 1.10%; 4.07% net interest margin against 4.18%.
10.69% CET1 capital ratio against 10.78%; 8.35% tier 1 leverage ratio against 8.31%.
Inside the full Fremont Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Fremont Bank rankings
Its closest position to the top of a national ranking is 247 of 4,196, for total assets; its furthest is 2,017 of 2,134, for CET1 ratio.
Metric pages for Fremont Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.01% (Q4 2024) to 1.25% (Q3 2025) and its net interest margin ran from 3.80% (Q3 2024) to 4.18% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.69% | 1.14% | 0.39% | 3.57% | 4.07% |
| Q1 2026 | 10.89% | 1.18% | 0.34% | 3.03% | 4.07% |
| Q4 2025 | 10.75% | 1.22% | 0.43% | 3.97% | 4.12% |
| Q3 2025 | 10.93% | 1.25% | 0.47% | 4.26% | 4.18% |
| Q2 2025 | 10.78% | 1.10% | 0.54% | 4.82% | 4.18% |
| Q1 2025 | 10.73% | 1.04% | 0.69% | 6.24% | 3.99% |
| Q4 2024 | 10.75% | 1.01% | 0.58% | 5.36% | 3.99% |
| Q3 2024 | 10.63% | 1.04% | 0.55% | 5.11% | 3.80% |
Swipe the table sideways to see every column.
Branch Network
View all 22 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Fremont Bank (main office) | Fremont , CA | 94538 | $963.8M |
| Walnut Creek Branch | Walnut Creek , CA | 94596 | $507.8M |
| Koll Center Parkway Branch | Pleasanton , CA | 94566 | $443.2M |
| San Leandro Branch | San Leandro , CA | 94577 | $352.1M |
| Downtown Danville Branch | Danville , CA | 94526 | $336.3M |
| South Livermore Branch | Livermore , CA | 94550 | $315.1M |
| Dublin Branch | Dublin , CA | 94568 | $312.5M |
| San Jose Branch | San Jose , CA | 95113 | $306.3M |
| Brookvale Branch | Fremont , CA | 94555 | $257.4M |
| Alvarado Branch | Union City , CA | 94587 | $221.9M |
| Warm Springs Branch | Fremont , CA | 94539 | $191.8M |
| Hayward Branch | Hayward , CA | 94544 | $165.4M |
| Mission Valley Branch | Fremont , CA | 94539 | $125.6M |
| Mission Bay Branch | San Francisco , CA | 94107 | $111.6M |
| Castro Valley Branch | Castro Valley , CA | 94546 | $107.0M |
| Brentwood Branch | Brentwood , CA | 94513 | $104.4M |
| Rockridge Branch | Oakland , CA | 94618 | $102.9M |
| Carmel Branch | Carmel , CA | 93923 | $97.4M |
| San Ramon Valley Branch | San Ramon , CA | 94583 | $90.0M |
| Newark Branch | Newark , CA | 94560 | $78.7M |
| Mountain View Branch | Mountain View , CA | 94040 | $61.5M |
| Www.Fremontbank.Com Branch | Livermore , CA | 94551 | $56.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 1984 | Structure Change | Acquired Fremont Securities, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in CA, rank 32 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3,468 applications, 1,960 loans originated, $770.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 16 loans, $20.5M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Fremont Bank
What are Fremont Bank's total assets?
As of the Q2 2026 filing, Fremont Bank reported total assets of $5.97 billion in its FFIEC call report.
Where is Fremont Bank headquartered?
It is headquartered in Fremont, CA, United States.
When was Fremont Bank founded?
It was established in 1964, per the FDIC institution directory.
Is Fremont Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19222). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fremont Bank?
Fremont Bank's primary federal regulator is the FDIC.
What is Fremont Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.69% in its Q2 2026 call report, above regulatory requirements.
How many branches does Fremont Bank operate?
It operates 23 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fremont Bank's Texas Ratio?
Its Texas Ratio is 3.57% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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