Fremont Bank

Fremont Bank Locations
39150 Fremont Boulevard
Fremont, CA 94538
(800) 359-BANK (2265)
www.fremontbank.com

FDIC
At Fremont Bank, they know that community banking makes a difference to their customers, their business partners and their employees. After all, they were founded in 1964 - one of the oldest independently owned and managed bank in the Bay Area, headquartered in Fremont, of course. They’ve held to an unwavering commitment to providing the communities they serve with financial resources and building professional relationships second-to-none.

Fremont Bank Routing Number: 121107882

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$50 Checking Account Bonus At Fremont Bank In California (Forum) - 9/18/2012

This bonus isn't much, but it appears to be an easy bonus that doesn't take much work. For new checking customers, open a Just Right Checking Freedom account online with a Visa Debit Card, Online Banking and e-Statements and get $50. Here's the link to



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See Rates for: Money Market | CD | IRA

Fremont Bank Money Market Rates

ApyMinMaxProduct
0.15%$100k-Money Market Savings
0.15%$100k-Business Money Market Savings

Fremont Bank CD Rates

ApyMinMaxProduct
1.20%$2,500$500k5 Year Internet-Only CD
0.75%$2,500-5 Year CD
0.75%$2,500-Business 5 Year CD
0.60%$2,500$500k3 Year Internet-Only CD
0.55%$2,500-4 Year CD
0.55%$2,500-Business 4 Year CD
0.40%$2,500-3 Year CD
0.40%$2,500-Business 3 Year CD
0.30%$2,500-2 Year CD
0.30%$2,500-Business 2 Year CD
0.25%$2,500$500k18 Month Internet-Only CD
0.20%$2,500-18 Month CD
0.20%$2,500-Business 18 Month CD
0.20%$2,500$500k13 Month Internet-Only CD
0.15%$2,500-1 Year CD
0.15%$2,500$500k8 Month Internet-Only CD
0.15%$2,500-Business 1 Year CD
0.10%$2,500-6 Month CD
0.10%$2,500-9 Month CD
0.10%$2,500-Business 6 Month CD
0.10%$2,500-Business 9 Month CD
0.05%$2,500-1 Month CD
0.05%$2,500-3 Month CD
0.05%$2,500-Business 1 Month CD
0.05%$2,500-Business 3 Month CD

Fremont Bank IRA Rates

ApyMinMaxProduct
1.15%$500$250k55 Month IRA Certificate
1.15%$500$250k55 Month Roth IRA Certificate
0.75%$500$250k44 Month IRA Certificate
0.75%$500-5 Year IRA Certificate
0.75%$500$250k44 Month Roth IRA Certificate
0.75%$500-5 Year Roth IRA Certificate
0.55%$500-4 Year IRA Certificate
0.55%$500-4 Year Roth IRA Certificate
0.50%$500$250k33 Month IRA Certificate
0.50%$500$250k33 Month Roth IRA Certificate
0.40%$500-3 Year IRA Certificate
0.40%$500-3 Year Roth IRA Certificate
0.30%$500-2 Year IRA Certificate
0.30%$500-2 Year Roth IRA Certificate
0.20%$500$250k11 Month IRA Certificate
0.20%$500-18 Month IRA Certificate
0.20%$500$250k11 Month Roth IRA Certificate
0.20%$500-18 Month Roth IRA Certificate
0.15%$500$250k7 Month IRA Certificate
0.15%$500-12 Month IRA Certificate
0.15%$500$250k7 Month Roth IRA Certificate
0.15%$500-12 Month Roth IRA Certificate
0.10%$500-6 Month IRA Certificate
0.10%$500-9 Month IRA Certificate
0.10%$500-6 Month Roth IRA Certificate
0.10%$500-9 Month Roth IRA Certificate

Rates updated: 5/21/2013

Data for Q4 2012


Institution Statistics


Fremont Bank
FDIC Certificate #19222
BankRate ReportView
Year Established1964
Employees896
Primary RegulatorFDIC

Assets and Liabilities

Assets$2.57 billion
Loans$2.17 billion
Deposits$2.12 billion
Equity Capital$248.04 million
Loan Loss Allowance$43.88 million
Unbacked Noncurrent Loans$15.31 million
Real Estate Owned$7.85 million

Historic Data - December 2011

Assets$2.37 billion
Equity Capital$242.75 million
Loan Loss Allowance$43.78 million
Unbacked Noncurrent Loans$31.55 million
Real Estate Owned$12.38 million

Profit Margin - Quarterly

Net Interest Margin4.22%
Return on Assets3.53%
Return on Equity34.16%
Interest Income$102.27 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Fremont Bank had $23.16 million in non-current loans and owned real-estate with $291.92 million in equity and loan loss allowances on hand to cover it. This gives Fremont Bank a Texas Ratio of 7.93% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for Fremont Bank decreased significantly from 15.33% as of December 31, 2011 to 7.93% as of December 31, 2012, resulting in a positive change of 48.26%.This indicates that the balance sheet and financial strength for Fremont Bank has improved significantly in recent periods.
Deposit Growth5
In the past year, Fremont Bank has increased its total deposits by $140.24 million, resulting in 7.1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Fremont Bank has shown is excellent.
Capitalization4
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Fremont Bank has $2.57 billion in assets with $291.92 million in equity, resulting in a capitalization level of 11.36%, which is above average.
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