Fremont Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 8.85 percentage points in Q2 2026, from 214.26% to 223.10%. It was the largest change from Q1 2026 among the key lines here. Fremont Bank ranks 58th of 114 California banks on loan-to-deposit ratio, in the lower half at 90.63% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Fremont Bank reported 90.63% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.81B |
| Net loans and leases | $4.74B |
| Loans held for sale | $8.6M |
| Loans to total assets | 80.65% |
| Loan-to-deposit ratio | 90.63% |
| Net loans to equity capital | 10.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.53% |
| Multifamily (5+ residential) | 5.75% |
| Commercial and industrial | 7.86% |
| Consumer | 0.05% |
| Credit cards | 0.05% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 223.10% |
| Construction concentration (Tier 1 capital + allowance) | 18.65% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.89% |
| Interest income on loans | $70.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $4.43B | $5.09B | 27.12% | 7.43% | 0.06% |
| Q4 2023 | $4.51B | $5.00B | 26.93% | 7.71% | 0.06% |
| Q1 2024 | $4.53B | $5.09B | 26.44% | 8.25% | 0.05% |
| Q2 2024 | $4.60B | $5.10B | 26.36% | 8.40% | 0.05% |
| Q3 2024 | $4.62B | $5.29B | 26.78% | 8.22% | 0.06% |
| Q4 2024 | $4.62B | $5.18B | 26.27% | 8.44% | 0.06% |
| Q1 2025 | $4.66B | $5.22B | 26.57% | 8.54% | 0.06% |
| Q2 2025 | $4.67B | $5.21B | 27.20% | 8.60% | 0.06% |
| Q3 2025 | $4.71B | $5.47B | 27.00% | 8.34% | 0.06% |
| Q4 2025 | $4.76B | $5.26B | 27.48% | 8.60% | 0.06% |
| Q1 2026 | $4.71B | $5.27B | 28.15% | 8.10% | 0.06% |
| Q2 2026 | $4.81B | $5.31B | 29.53% | 7.86% | 0.05% |
Fremont Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fremont Bank, freeSource: Call Report Schedule RC-C, 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)