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Fremont Bank
Fremont, CA·FDIC Cert #19222·Charter: STATE·Est. 19640903.0·HC: FREMONT BCORP
Total Assets
$5.9B
Q4 2025
Return on Assets
1.15%
+0.03%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
72.52%
Peer avg: 57.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.15%+0.03
ROE
15.08%+0.35
Efficiency
72.52%-0.23
Equity/Assets
0.00%+0.00
NPL Ratio
0.44%-0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
89.10%+4.45
Charge-offs
0.03%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.8 | 0.9 | 0.9 | 1.0 | 1.1 | 1.1 | 1.1 |
| ROE | 11.7 | 11.6 | 12.5 | 12.8 | 13.8 | 14.0 | 14.7 | 15.1 |
| Efficiency | 76.3 | 76.9 | 76.2 | 75.7 | 73.9 | 73.5 | 72.8 | 72.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.5 | 0.6 | 0.6 | 0.7 | 0.5 | 0.5 | 0.4 |
| Charge-offs | -0.0 | -0.0 | -0.0 | -0.0 | -0.0 | -0.0 | 0.0 | 0.0 |
| Loan/Deposit | 87.6 | 88.7 | 86.0 | 87.9 | 88.0 | 88.1 | 84.6 | 89.1 |
Balance Sheet
Total Assets$5.9B
Total Deposits$5.3B
Total Loans$4.7B
Total Equity$460.2M
Profitability
ROA1.15%
ROE15.08%
Efficiency Ratio72.52%
Net Income$67.8M
Risk & Asset Quality
NPL Ratio0.44%
Charge-off Rate0.03%
Loan/Deposit89.10%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans