| Metric | Fremont Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +5.5% | -3.4 pts |
| Deposit growth (YoY) | +1.8% | +5.1% | -3.2 pts |
| Loan growth (YoY) | +3.1% | +5.9% | -2.8 pts |
| ROA | 1.15% | 1.26% | -0.1 pts |
| ROE | 14.7% | 12.2% | +2.6 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.97B | $5.31B | $4.74B | $466.0M | $34.1M | 1.15% | 4.09% | 0.32% |
| Q1 2026 | $5.92B | $5.27B | $4.63B | $463.0M | $17.3M | 1.17% | 4.10% | 0.27% |
| Q4 2025 | $5.91B | $5.26B | $4.69B | $460.2M | $67.8M | 1.15% | 4.16% | 0.36% |
| Q3 2025 | $6.12B | $5.47B | $4.63B | $460.5M | $49.4M | 1.12% | 4.13% | 0.37% |
| Q2 2025 | $5.85B | $5.21B | $4.59B | $449.8M | $30.9M | 1.06% | 4.12% | 0.43% |
| Q1 2025 | $5.85B | $5.22B | $4.59B | $444.3M | $15.1M | 1.04% | 4.05% | 0.55% |
| Q4 2024 | $5.80B | $5.18B | $4.55B | $434.4M | $54.2M | 0.93% | 3.83% | 0.46% |
| Q3 2024 | $5.91B | $5.29B | $4.55B | $433.7M | $39.4M | 0.90% | 3.74% | 0.43% |
Loan mix (Q2 2026): real estate $4.42B · commercial $378.1M · consumer $2.6M · securities $289.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Fremont Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.26% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 12.2% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.4% | 59.0% | 85th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Fremont Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Fremont Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Fremont Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Fremont Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.