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39150 Fremont Boulevard
Fremont, CA 94538

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.

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Must Read Yelp Reviews On Fremont Bank

Please check the reviews on yelp. Very scary. Not too good.


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Fremont Bank had $8.1 million in non-current loans and owned real-estate with $285 million in equity and loan loss allowances on hand to cover it. This gives Fremont Bank a Texas Ratio of 2.84% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Fremont Bank decreased dramatically from 4.24% as of June 30, 2013 to 2.84% as of June 30, 2014, resulting in a positive change of 32.94%.This indicates that the balance sheet and financial strength for Fremont Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Fremont Bank has increased its total deposits by $151.13 million, resulting in 7.01% 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.



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 $2.6 billion in assets with $285 million in equity, resulting in a capitalization level of 10.97%, which is above average.

Institution Statistics

FDIC Certificate #19222
Year Established1964
Primary RegulatorFDIC
Assets and Liabilities
Assets$2.60 billion
Loans$2.06 billion
Deposits$2.31 billion
Equity Capital$238.89 million
Loan Loss Allowance$46.10 million
Unbacked Noncurrent Loans$7.59 million
Real Estate Owned$511,000
Historic Data - June 2013
Assets$2.49 billion
Equity Capital$249.11 million
Loan Loss Allowance$43.94 million
Unbacked Noncurrent Loans$7.59 million
Real Estate Owned$650,000
Profit Margin - Quarterly
Return on Assets1.16%
Return on Equity12.45%
Interest Income$47.44 million
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Fremont Bank Money Market Rates

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

Fremont Bank CD Rates

1.10%$2,500-5 Year CD
1.10%$2,500-Business 5 Year CD
1.10%$2,500$500k5 Year Internet-Only CD
0.75%$2,500-4 Year CD
0.75%$2,500-Business 4 Year CD
0.50%$2,500-3 Year CD
0.50%$2,500-Business 3 Year CD
0.50%$2,500$500k3 Year Internet-Only CD
0.30%$2,500-2 Year CD
0.30%$2,500-Business 2 Year CD
0.30%$2,500$500k18 Month Internet-Only CD
0.25%$2,500-18 Month CD
0.25%$2,500-Business 18 Month CD
0.25%$2,500$500k13 Month Internet-Only CD
0.20%$2,500-1 Year CD
0.20%$2,500-Business 1 Year CD
0.15%$2,500-6 Month CD
0.15%$2,500-9 Month CD
0.15%$2,500$500k8 Month Internet-Only CD
0.15%$2,500-Business 6 Month CD
0.15%$2,500-Business 9 Month CD
0.10%$2,500-3 Month CD
0.10%$2,500-Business 3 Month CD
0.05%$2,500-1 Month CD
0.05%$2,500-Business 1 Month CD

Fremont Bank IRA Rates

1.10%$500-5 Year IRA Certificate
0.75%$500-4 Year IRA Certificate
0.50%$500-3 Year IRA Certificate
0.30%$500-2 Year IRA Certificate
0.25%$500-18 Month IRA Certificate
0.20%$500-12 Month IRA Certificate
0.15%$500-6 Month IRA Certificate
0.15%$500-9 Month IRA Certificate

Fremont Bank has 19 locations. Click to view all Fremont Bank locations.