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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Fremont Bank

Fremont, California · $5.97B in assets · beside the 11 other California banks between $3B and $10B

The filing

7.8%
Equity / assets
11th of 11
73.4%
Efficiency
11th of 11
24.7%
CRE / loans
2nd of 12

Fremont Bank is the fourth largest of the 12 California banks nearest its size between $3B and $10B, with $5.97B in assets at 30 June 2026. Loans are 90.6% of deposits, 10th of 12 against a median of 82.5%, and equity is 7.8% of assets, the lowest in the cohort. Loans grew +3.1% in the year, 7th of 12, and deposits grew 1.8%; the cohort's median loan growth is +3.6%.

Noncurrent loans are 0.39% of the book, 8th of 12 against a median of 0.30%; 0.26% is 30 to 89 days past due, and the allowance covers them 3.9 times. Commercial real estate is 24.7% of loans, 2nd of 12 against a median of 38.6%, and 217% of capital, below the 300% screen, with construction at 19% against the 100% screen.

Return on assets is 1.16%, 8th of 11 against a median of 1.22%, on an efficiency ratio of 73.4%, the highest in the cohort. Five years ago it was 2.01%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioCA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 47.0% SM SMBC Manubank 16.5% RC River City Bank 30.6% FS Five Star Bank 37.3% WB Westamerica Bank 42.5% FM Farmers & Merchants Bank Central California 44.3% AB American Business Bank 47.0% Bo Bank of Stockton 47.6% RB Royal Business Bank 52.3% CB CTBC Bank Corp. USA 59.2% CW Community West Bank 61.6% FB Fremont Bank 73.4%
Loans, year over yearCA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.6% MT Mizrahi Tefahot Bank LTD +56.9% CW Community West Bank +47.7% FS Five Star Bank +20.3% AB American Business Bank +7.9% RC River City Bank +7.3% Bo Bank of Stockton +4.1% FB Fremont Bank +3.1% RB Royal Business Bank +2.3% CB CTBC Bank Corp. USA +2.2% FM Farmers & Merchants Bank Central California +2.2% WB Westamerica Bank -10.6% SM SMBC Manubank -40.2%

SBA 7(a), FY2008 to FY2026

Fremont Bank is the 60th largest 7(a) lender into California of 512, with $221M across 154 loans, 0.3% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 3 of its 14 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Alameda, CA$115M4th of 1794.8%-1.1 pts
San Francisco, CA$29M11th of 1402.0%-4.5 pts
Santa Clara, CA$27M27th of 1871.0%-1.8 pts
Contra Costa, CA$17M24th of 1541.2%-1.8 pts
San Mateo, CA$11M24th of 1291.0%+0.2 pts
Santa Cruz, CA$6M19th of 771.2%thin
San Joaquin, CA$5M42nd of 1300.5%thin
Sacramento, CA$4M81st of 1700.2%thin
Sonoma, CA$3M43rd of 1120.3%thin
Solano, CA$3M39th of 1090.6%thin
Napa, CA$2M28th of 770.6%thin
Merced, CA$780K46th of 680.3%quiet FY2022
San Diego, CA$383K210th of 2380.0%quiet FY2018
1 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance28$35M16.0%0.07%173rd of 2,172
Retail trade18$34M15.3%0.06%229th of 2,589
Manufacturing13$33M15.0%0.08%208th of 2,246
Accommodation & food services25$28M12.8%0.04%322nd of 2,596
Transportation & warehousing7$18M8.0%0.13%129th of 1,563
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Fremont Bank
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans FB Fremont Bank 0.3% $221M · 154 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Fremont BankRankCohort median
Total CRE against capital, the 300% screen217%7th of 11214%
Construction against capital, the 100% screen19%7th of 1119%
Construction and land development, share of loans2.2%5th of 123.1%
Non-owner-occupied nonfarm nonresidential, share of loans16.7%2nd of 1125.7%
Total CRE, the guidance definition, share of loans24.7%2nd of 1238.6%
CRE growth over 36 months, the third prong+5.3%5th of 12+12.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Mizrahi Tefahot Bank LTD$7.39Bno recordno record0.12%no recordno record79.0%no record
SMBC Manubank$6.60B-3.4%16.5%0.30%4.97%0.0%48.2%11.5%
River City Bank$6.04B1.2%30.6%0.00%0.00%2.3%85.7%9.4%
Fremont Bank$5.97B1.2%73.4%0.39%0.01%1.6%90.6%7.8%
CTBC Bank Corp. USA$5.87B0.9%59.2%1.55%0.06%1.1%88.0%13.4%
Farmers & Merchants Bank Central California$5.83B1.7%44.3%0.13%0.01%2.1%72.7%11.8%
Westamerica Bank$5.77B1.8%42.5%0.12%0.14%1.6%14.0%10.5%
Five Star Bank$5.38B1.6%37.3%0.30%0.07%1.0%94.0%9.8%
Community West Bank$5.02B0.7%61.6%0.56%0.31%1.4%85.9%13.3%
Bank of Stockton$4.99B6.1%47.6%0.08%0.05%3.2%65.3%19.5%
American Business Bank$4.42B1.5%47.0%0.44%0.00%1.1%79.3%9.9%
Royal Business Bank$4.27B1.2%52.3%0.72%0.01%1.3%95.2%13.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Fremont BankCohort median
20212026Change20212026Change
Loans$3.65B$4.81B+32%$2.10B$3.62B+73%
Deposits$5.01B$5.31B+6%$3.28B$4.82B+47%
NPA / loans0.97%0.39%-0.58 pts0.16%0.30%+0.14 pts
Efficiency62.7%73.4%+10.7 pts53.6%47.0%-6.6 pts
ROA2.01%1.16%-0.84 pts1.39%1.22%-0.16 pts

This read was prepared for Fremont Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Fremont Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $3B to $10B
Institution www.fremontbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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