Fremont Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Fremont Bank of Fremont, CA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.14% | 1.44% | -0.30% | 39th below |
| ROAE | 14.41% | 12.50% | +1.91% | 67th above |
| Net Interest Margin | 4.07% | 3.84% | +0.23% | 73rd above |
| Efficiency Ratio | 74.49% | 58.85% | +15.64% | 13th bottom |
| PPNR / Avg Assets | 1.23% | 1.78% | -0.55% | 24th bottom |
| Yield on Earning Assets | 5.49% | 5.71% | -0.22% | 48th below |
| Cost of Funds | 1.16% | 2.03% | -0.87% | 91st top |
| Net Interest Spread | 3.25% | 3.18% | +0.07% | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.96% | -0.63% | 71st above |
| NPA / Total Assets | 0.27% | 0.75% | -0.48% | 68th above |
| NCO / Avg Loans | 0.01% | 0.31% | -0.30% | 58th above |
| ACL / Total Loans | 1.56% | 1.25% | +0.31% | 88th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 477.76% | 699.08% | -221.32% | 80th top |
| Texas Ratio | 3.76% | 7.16% | -3.40% | 59th above |
| Provision / NCO | 832.03% | 814.50% | +17.53% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.69% | 17.42% | -6.73% | 5th bottom |
| Tier 1 Ratio | 10.69% | 17.45% | -6.76% | 5th bottom |
| Total Capital Ratio | 11.95% | 18.51% | -6.56% | 8th bottom |
| Leverage Ratio | 8.35% | 11.60% | -3.25% | 4th bottom |
| Equity / Assets | 7.81% | 11.33% | -3.52% | 6th bottom |
| TCE / Tangible Assets | 7.76% | 10.65% | -2.89% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.63% | 86.35% | +4.28% | 43rd below |
| Core Deposit Ratio | 95.57% | 85.55% | +10.02% | 88th top |
| Uninsured Deposit Ratio | 46.30% | 32.69% | +13.61% | 14th bottom |
| Wholesale Funding Ratio | 1.68% | 5.46% | -3.78% | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.05% | 10.46% | -8.41% | 28th below |
| Loan Growth (Y/Y) | 3.14% | 8.00% | -4.86% | 35th below |
| Deposit Growth (Y/Y) | 1.84% | 7.99% | -6.15% | 28th below |
See Fremont Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Fremont Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Fremont Bank profile, how to read a UBPR, or how this data updates.