Fremont Bank (FDIC #19222): Bank Stress & Real-Estate Credit Exposure
Fremont Bank (FDIC Cert #19222): bank stress 75/100, severe, STABLE over 7 days; parent FREMONT BCORP.
Fremont Bank (#19222) lends in 5 counties across 1 state; Fremont Bank (#19222) reaches 217 ZIP codes: California 5 counties, 217 ZIPs.
Fremont Bank (#19222) largest markets: Santa Clara County, CA (126 branches, 63 ZIPs) (#19222), Alameda County, CA (742 branches, 53 ZIPs) (#19222), Contra Costa County, CA (196 branches, 49 ZIPs) (#19222), Monterey County, CA (33 branches, 33 ZIPs) (#19222), San Francisco County, CA (30 branches, 30 ZIPs) (#19222).
Fremont Bank (#19222) reports $5.97 billion in total assets; Fremont Bank (#19222) equity $466.0 million (7.8% of Fremont Bank (#19222) assets); Fremont Bank (#19222) domestic deposits $5.31 billion; Fremont Bank (#19222) net income $34.1 million; Fremont Bank (#19222) return on assets 1.15%; Fremont Bank (#19222) return on equity 14.72%; Fremont Bank (#19222) net interest income $114.3 million; Fremont Bank (#19222) call report June 30, 2026.
Fremont Bank (#19222) noncurrent real-estate loans: none reported; Fremont Bank (#19222) net charge-offs on real estate 0.42%; Fremont Bank (#19222) residential charge-offs 0.37%.
Fremont Bank (#19222) net interest margin 4.09% against an eight-quarter Fremont Bank (#19222) average of 4.03% (Fremont Bank (#19222) compression -0.06 points); Fremont Bank (#19222) non-residential real estate 36.5% of equity; Fremont Bank (#19222) rate-exposure score 40/100, Fremont Bank (#19222) fixed-rate trap 40/100; Fremont Bank (#19222) risk type credit driven; Fremont Bank (#19222) rate regime rates elevated, Fremont Bank (#19222) snapshot October 20, 2026.
Fremont Bank (#19222) stress score moved from 73.3 on June 22, 2026 to 75.3 on October 20, 2026; Fremont Bank (#19222) ranged 73.3 to 75.3 over 117 snapshots.
Fremont Bank (#19222) alerts: 5 counties; top Fremont Bank (#19222) alert scores: San Francisco County, CA 46 (moderate); Carmel County, CA 25 (low); San Jose County, CA 25 (low); Union City County, CA 25 (low); Walnut Creek County, CA 25 (low).