Fremont Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 11.80 percentage points higher than in Q1 2026, at 477.76%. Within California, Fremont Bank is 51st of 114 on return on assets, 1.14% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Fremont Bank sits 0.14 points lower, at 1.14% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.69% |
| Tier 1 risk-based capital ratio | 10.69% |
| Total risk-based capital ratio | 11.95% |
| Tier 1 leverage ratio | 8.35% |
| Equity capital to assets | 7.81% |
| Tangible equity to tangible assets | 7.76% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.33% |
| Non-performing assets ratio | 0.27% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 3.76% |
| Allowance for credit losses to loans | 1.56% |
| Reserve coverage of non-performing loans | 477.76% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.14% |
| Return on equity | 14.41% |
| Net interest margin | 4.07% |
| Efficiency ratio | 74.49% |
| Yield on earning assets | 5.49% |
| Cost of funds | 1.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.63% |
| Core deposits to total deposits | 95.57% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.99% |
| Securities to assets | 4.84% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.78% | 10.78% | 12.04% | 8.14% | 1.88% |
| Q4 2023 | 10.57% | 10.57% | 11.82% | 7.97% | 0.75% |
| Q1 2024 | 10.55% | 10.55% | 11.81% | 7.87% | 0.83% |
| Q2 2024 | 10.45% | 10.45% | 11.71% | 7.82% | 0.82% |
| Q3 2024 | 10.63% | 10.63% | 11.88% | 7.89% | 1.04% |
| Q4 2024 | 10.75% | 10.75% | 12.01% | 8.00% | 1.01% |
| Q1 2025 | 10.73% | 10.73% | 11.98% | 8.14% | 1.04% |
| Q2 2025 | 10.78% | 10.78% | 12.03% | 8.31% | 1.10% |
| Q3 2025 | 10.93% | 10.93% | 12.19% | 8.21% | 1.25% |
| Q4 2025 | 10.75% | 10.75% | 12.00% | 8.05% | 1.22% |
| Q1 2026 | 10.89% | 10.89% | 12.14% | 8.29% | 1.18% |
| Q2 2026 | 10.69% | 10.69% | 11.95% | 8.35% | 1.14% |
Fremont Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fremont Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)