Headquartered in Fremont, California, Fremont Bank is a state-chartered bank with $6.0B in total assets and $5.3B in deposits as of Q2 2026. It operates 23 offices. Its charter dates back to 1964.
Based on its Q2 2026 filing, Fremont Bank scores 60/100, which we describe as moderate. That is higher than only 21% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 87th. Its strongest component is problem-loan coverage (93/100; 3.5%), and its lowest is capital cushion (34/100; 8.35%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (58 → 60), mostly because the loan quality component improved by 5 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 56 |
| Q4 2024 | 55 |
| Q1 2025 | 56 |
| Q2 2025 | 58 |
| Q3 2025 | 59 |
| Q4 2025 | 59 |
| Q1 2026 | 61 |
| Q2 2026 | 60 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.82% |
| Q3 2024 | 7.89% |
| Q4 2024 | 8.00% |
| Q1 2025 | 8.14% |
| Q2 2025 | 8.31% |
| Q3 2025 | 8.21% |
| Q4 2025 | 8.05% |
| Q1 2026 | 8.29% |
| Q2 2026 | 8.35% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.55% |
| Q4 2024 | 0.58% |
| Q1 2025 | 0.69% |
| Q2 2025 | 0.54% |
| Q3 2025 | 0.47% |
| Q4 2025 | 0.43% |
| Q1 2026 | 0.34% |
| Q2 2026 | 0.39% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.83% |
| Q3 2024 | 0.90% |
| Q4 2024 | 0.93% |
| Q1 2025 | 1.04% |
| Q2 2025 | 1.06% |
| Q3 2025 | 1.12% |
| Q4 2025 | 1.15% |
| Q1 2026 | 1.17% |
| Q2 2026 | 1.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $6.0B | 8.35% | 0.39% | 1.15% | 89.2% |
| Q1 2026 | 61 | $5.9B | 8.29% | 0.34% | 1.17% | 88.0% |
| Q4 2025 | 59 | $5.9B | 8.05% | 0.43% | 1.15% | 89.1% |
| Q3 2025 | 59 | $6.1B | 8.21% | 0.47% | 1.12% | 84.6% |
| Q2 2025 | 58 | $5.8B | 8.31% | 0.54% | 1.06% | 88.1% |
| Q1 2025 | 56 | $5.8B | 8.14% | 0.69% | 1.04% | 88.0% |
| Q4 2024 | 55 | $5.8B | 8.00% | 0.58% | 0.93% | 87.9% |
| Q3 2024 | 56 | $5.9B | 7.89% | 0.55% | 0.90% | 86.0% |
| Q2 2024 | 55 | $5.9B | 7.82% | 0.49% | 0.83% | 88.7% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| River City BankBank Sacramento, CA | 69 out of 100, Moderate | $6.0B | 9.2% | 0.00% | vs |
| CTBC Bank Corp. (USA)Bank Los Angeles, CA | 64 out of 100, Moderate | $5.9B | 14.7% | 1.55% | vs |
| Farmers & Merchants Bank of Central CaliforniaBank Lodi, CA | 79 out of 100, Strong | $5.8B | 11.7% | 0.13% | vs |
| Westamerica BankBank San Rafael, CA | 78 out of 100, Strong | $5.8B | 10.3% | 0.12% | vs |
| Five Star BankBank Roseville, CA | 68 out of 100, Moderate | $5.4B | 10.3% | 0.30% | vs |
| Smbc ManubankBank Los Angeles, CA | 54 out of 100, Below average | $6.6B | 9.6% | 0.30% | vs |
Deposit insurance
Is my money safe at Fremont Bank?
Yes. Fremont Bank is an FDIC-insured institution (FDIC certificate #19222). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 46.3% of deposits ($2.5B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.35%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.95% (benchmark: 10%).
23 locations
Branches
Fremont Bank lists 21 offices in 18 cities. Most locations:
- Fremont, CA (4)
- Brentwood, CA (1)
- Carmel, CA (1)
- Castro Valley, CA (1)
- Danville, CA (1)
- Dublin, CA (1)
- Hayward, CA (1)
- Livermore, CA (1)
- Mountain View, CA (1)
- Newark, CA (1)
- Oakland, CA (1)
- Pleasanton, CA (1)
HMDA 2025
Mortgage lending
In 2025, Fremont Bank reported 3,366 home-loan applications under HMDA (LEI 5493006F1N8E3EEF3W63): 1,960 originated ($770,520,000 total), 1,021 denied, and 324 withdrawn or closed by the applicant. Its denial rate on decided applications was 33.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Fremont Bank
- Type
- State-chartered bank
- FDIC certificate #
- 19222
- RSSD ID
- 739560
- Primary regulator
- FDIC
- Holding company
- Fremont Bcorp
- Established
- September 3, 1964
- Headquarters
- 39150 Fremont Blvd, Fremont, CA 94538
- Website
- www.fremontbank.com
- Employees
- 748
Quick answers
Fremont Bank: common questions
Is Fremont Bank FDIC insured?
Yes. Fremont Bank is an FDIC-insured institution (FDIC certificate #19222). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Fremont Bank's TellerScore?
60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Fremont Bank ever failed?
There is no failure record for FDIC certificate #19222 in the FDIC failed bank list.
How many branches does Fremont Bank have?
23 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fremont
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Smw 104 Federal Credit UnionCredit union Livermore, CA | 89 out of 100, Very strong | $117.9M | 12.7% | 0.32% | vs |
| San Mateo City Employees Federal Credit UnionCredit union San Mateo, CA | 87 out of 100, Very strong | $31.8M | 18.4% | 0.00% | vs |
| GBC International BankBank Los Angeles, CA | 83 out of 100, Strong | $658.5M | 15.9% | 0.26% | vs |
| Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA | 83 out of 100, Strong | $377.9M | 20.2% | 0.01% | vs |
| Pacific Service Credit UnionCredit union Concord, CA | 82 out of 100, Strong | $1.3B | 15.5% | 0.35% | vs |