BlastPoint's Banking Scorecard
Fremont Bank
Mid-Market
Specialty: Commercial
CA
FDIC cert 19222
Designations: ✓ Community bank
Fremont, CA
201
banks in Mid-Market tier nationally
18 in CA
View Mid-Market leaderboard (CA) →
Fremont Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 62% in Mid-Market
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 46% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.9B
+1.9% YoY
-3.4% QoQ
|
-$4.5B |
$10.5B
+2.9% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$4.7B
+3.0% YoY
+1.2% QoQ
|
-$2.4B |
$7.1B
+4.5% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$5.3B
+1.6% YoY
-3.9% QoQ
|
-$3.3B |
$8.5B
+3.0% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
1.15%
+23.5% YoY
+2.9% QoQ
|
-0.01% |
1.16%
+9.4% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
4.16%
+8.7% YoY
+0.8% QoQ
|
+0.77% |
3.40%
+7.9% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
72.52%
-4.3% YoY
-0.3% QoQ
|
+15.92% |
56.60%
-3.2% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
0.44%
-26.2% YoY
-8.1% QoQ
|
-0.25% |
0.68%
+12.0% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
89.10%
+1.4% YoY
+5.3% QoQ
|
+3.63% |
85.47%
+1.1% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
32.47%
+0.3% YoY
-1.7% QoQ
|
+11.83% |
20.64%
-0.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.36%
-23.1% YoY
-3.5% QoQ
|
-0.14% |
0.50%
+7.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
10.75%
-0.0% YoY
-1.7% QoQ
|
-2.80% |
13.55%
+1.8% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Bottom 12% in tier |
| Non-Interest Income / Assets ? |
0.75%
-2.6% YoY
+38.9% QoQ
|
-0.21% |
0.96%
+7.1% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#14 of 22 · Top 62% in Mid-Market
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
32.47%
(Tier: 20.64%, National: 21.79%)
Net Interest Margin:
4.16%
(Tier: 3.40%, National: 3.75%)
22 of 22 Mid-Market banks match
·
176 nationally
→ Stable
+2 banks QoQ
Concerns (1)
Capital Thin
risk
#24 of 51 · Bottom 46% in Mid-Market
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
10.75%
(Tier: 13.55%, National: 9.75%)
51 of 51 Mid-Market banks match
·
505 nationally
→ Stable
+11 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.47% · Tier avg: 20.64%
84
84th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.40%
64
64th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.68%
61
61th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.96%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
48
48th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
43
43th pctile
Loan-to-Deposit Ratio
Current: 89.10% · Tier avg: 85.47%
31
31th pctile
Total Loans
Current: $4.7B · Tier avg: $7.1B
25
25th pctile
Total Deposits
Current: $5.3B · Tier avg: $8.5B
18
18th pctile
Total Assets
Current: $5.9B · Tier avg: $10.5B
12
12th pctile
Tier 1 Capital Ratio
Current: 10.75% · Tier avg: 13.55%
12
12th pctile
Efficiency Ratio
Current: 72.52% · Tier avg: 56.60%
Top Weaknesses
12
12th pctile
Efficiency Ratio
Current: 72.52% · Tier avg: 56.60%
12
12th pctile
Tier 1 Capital Ratio
Current: 10.75% · Tier avg: 13.55%
18
18th pctile
Total Assets
Current: $5.9B · Tier avg: $10.5B
25
25th pctile
Total Deposits
Current: $5.3B · Tier avg: $8.5B
31
31th pctile
Total Loans
Current: $4.7B · Tier avg: $7.1B
43
43th pctile
Loan-to-Deposit Ratio
Current: 89.10% · Tier avg: 85.47%
48
48th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
61
61th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.96%
64
64th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.68%
84
84th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.40%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.47% · Tier avg: 20.64%