Fremont Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Fremont Bank (FDIC Cert #19222) registers 75/100 on DLRadar's scale — a severe reading. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

DLRadar maps Fremont Bank into 5 counties (217 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are California (5 counties). Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. What separates this from a plain credit rating is the geographic weighting — Fremont Bank's 75/100 reading reflects not just its balance sheet but the 5 counties it lends into, so the score doubles as a map of where its stress will land first. Fremont Bank is held under Fremont Bcorp, so its disclosures are public and its stress trajectory is externally verifiable. County by county, that footprint includes Santa Clara County, CA, Alameda County, CA, Contra Costa County, CA, Monterey County, CA, among others DLRadar tracks parcel by parcel. Rather than a standalone rating, the severe score is tied to real markets — every one of the 217 ZIP codes Fremont Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Read against its 5-county reach, a severe score sets the credit tone for every market on its map. Because Fremont Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 75/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution.

The acquisition angle is simple — lending capacity is what moves deals. As Fremont Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. The result is an early, auditable read on supply, every figure anchored to public data.