Fremont Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Yield on securities edged down 0.07 percentage points between Q1 2026 and Q2 2026, to 2.44%. Fremont Bank ranks 38th of 114 California banks on net interest margin, in the upper half at 4.07% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Fremont Bank sits 0.36 points higher, at 4.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.49% |
| Yield on loans | 5.89% |
| Yield on securities | 2.44% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.16% |
| Cost of interest-bearing deposits | 2.18% |
| Cost of interest-bearing liabilities | 2.24% |
| Cost of borrowings | 4.19% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.07% |
| Yield to cost spread | 3.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $70.1M |
| Total interest expense | $19.9M |
| Interest expense on deposits | $18.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.45% | 1.39% | 3.77% | 5.70% | 3.41% |
| Q4 2023 | 5.58% | 1.52% | 3.78% | 5.85% | 3.47% |
| Q1 2024 | 5.65% | 1.67% | 3.62% | 5.94% | 3.46% |
| Q2 2024 | 5.67% | 1.70% | 3.61% | 5.96% | 3.39% |
| Q3 2024 | 5.81% | 1.66% | 3.80% | 6.12% | 3.30% |
| Q4 2024 | 5.72% | 1.43% | 3.99% | 6.07% | 3.12% |
| Q1 2025 | 5.55% | 1.30% | 3.99% | 5.90% | 2.88% |
| Q2 2025 | 5.66% | 1.22% | 4.18% | 6.02% | 2.87% |
| Q3 2025 | 5.72% | 1.27% | 4.18% | 6.09% | 2.80% |
| Q4 2025 | 5.64% | 1.26% | 4.12% | 6.09% | 2.66% |
| Q1 2026 | 5.49% | 1.18% | 4.07% | 5.87% | 2.51% |
| Q2 2026 | 5.49% | 1.16% | 4.07% | 5.89% | 2.44% |
Fremont Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fremont Bank, freeSource: Call Report Schedules RI and RC-K, 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)