Fremont Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Risk-weighted assets rose 2.6% from Q1 2026 to Q2 2026, ending at $4.58B against $4.47B. It was the largest change among the key lines on this page. On CET1 ratio, Fremont Bank is 1st from the bottom among 74 California banks, 10.69% (Q2 2026). Fremont Bank reported 10.69% on CET1 ratio for Q2 2026, 2.78 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.69% |
| Tier 1 risk-based capital ratio | 10.69% |
| Total risk-based capital ratio | 11.95% |
| Tier 1 leverage ratio | 8.35% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $489.9M |
| Tier 1 capital | $489.9M |
| Total risk-based capital | $547.4M |
| Total equity capital | $466.0M |
| Risk-weighted assets | $4.58B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.81% |
| Tangible equity to tangible assets | 7.76% |
| Equity capital to average assets | 7.94% |
| Internal capital growth rate | 3.12% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.6M |
| Common stock surplus | $76.5M |
| Retained earnings | $415.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$27.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.78% | 10.78% | 12.04% | 8.14% | $4.27B |
| Q4 2023 | 10.57% | 10.57% | 11.82% | 7.97% | $4.31B |
| Q1 2024 | 10.55% | 10.55% | 11.81% | 7.87% | $4.32B |
| Q2 2024 | 10.45% | 10.45% | 11.71% | 7.82% | $4.37B |
| Q3 2024 | 10.63% | 10.63% | 11.88% | 7.89% | $4.37B |
| Q4 2024 | 10.75% | 10.75% | 12.01% | 8.00% | $4.37B |
| Q1 2025 | 10.73% | 10.73% | 11.98% | 8.14% | $4.42B |
| Q2 2025 | 10.78% | 10.78% | 12.03% | 8.31% | $4.43B |
| Q3 2025 | 10.93% | 10.93% | 12.19% | 8.21% | $4.45B |
| Q4 2025 | 10.75% | 10.75% | 12.00% | 8.05% | $4.50B |
| Q1 2026 | 10.89% | 10.89% | 12.14% | 8.29% | $4.47B |
| Q2 2026 | 10.69% | 10.69% | 11.95% | 8.35% | $4.58B |
Fremont Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Fremont Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Fremont Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19222) · FFIEC NIC profile (RSSD 739560)