Total Assets
$5.9B
Total balance-sheet footings
FDIC Cert #19222 · Fremont, California · Est. 1964
Fremont Bank - FDIC Bank Health Profile
A community-scale look at Fremont Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $5.9B
- Total assets
- B
- Health grade · Good
- 1.15%
- Return on assets
- 10.7%
- Tier 1 capital
Data updated July 2026
The verdict
Fremont Bank earns a PlainBankData health grade of B (72/100), with well-capitalized at 10.75% Tier 1, profitable at 1.15% ROA, 73% efficiency ratio.
- #252
- largest of 4,313 FDIC banks by assets
- 94th
- percentile by asset size, nationally
- 10.75%
- Tier 1 ratio - above the 10% well-capitalized line
- 53rd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Fremont Bank's 72/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Fremont Bank's composite health score
Tier 1 Capital Ratio (10.75%) 28/40
Return on Assets (ROA) (1.15%) 20/25
Texas Ratio (3.82%) 20/20
Efficiency Ratio (72.52%) 4/15
72 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$5.3B
Customer-funded liabilities
Net Loans
$4.7B
Outstanding loan book
Net Income
$68M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Fremont Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Fremont Bank's score of 72/100 falls in the highlighted band.
Fremont Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Fremont Bank's $5.9B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.75% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.75%
Texas Ratio
3.82%
Equity Capital
$460M
Profitability metrics
Return on Assets (ROA)
53rd percentile nationally
1.15%
Return on Equity (ROE)
15.08%
Efficiency Ratio
72.52%
What the numbers say about Fremont Bank
Fremont Bank is an FDIC-insured institution (Certificate #19222) headquartered in Fremont, California, established in 1964. It holds $5.9B in total assets - 252nd of 4,313 FDIC-insured banks, $5.3B in customer deposits, and $4.7B in net loans. Capital-wise, the Tier 1 ratio sits at 10.75%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 3.82%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (72 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Fremont Bank sits in the top decile of all FDIC-insured institutions by asset size (252nd of 4,313), and within California it ranks 20th of 121 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is River City Bank, at $5.8B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$317M
Interest Income
$44M
Non-Interest Income
$200M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Fremont Bank reports a Texas Ratio of 3.82% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.82% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Fremont Bank (FDIC Cert #19222) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is Fremont Bank's health grade?▼
Fremont Bank receives a health grade of B (72/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Fremont Bank?▼
Fremont Bank holds $5.9B in total assets and $5.3B in deposits, ranking 252nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Fremont, California.
Is my money safe at Fremont Bank?▼
Yes, deposits at Fremont Bank (Certificate #19222) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Fremont Bank's Tier 1 Capital Ratio?▼
Fremont Bank has a Tier 1 Capital Ratio of 10.75%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Fremont Bank?▼
Fremont Bank has a Texas Ratio of 3.82%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Fremont Bank?▼
Fremont Bank has an Efficiency Ratio of 72.52%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Fremont Bank's profile as a depositor or analyst.
- Fremont Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Fremont Bank against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.