Fremont Bank
- Company typePrivate
- Founded1964
- HeadquartersFremont, United States
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
Fremont Bank firmographics
Firmographics- Name
- Fremont Bank
- Legal name
- Fremont Bank
- Website
- https://fremontbank.com
- Company type
- Private
- Founded year
- 1964
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Ownership category
- akta.pro rank
Fremont Bank industry classification
Industry- Product category
- Retail Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
- akta.pro secondary industries
- SBA/Government-Backed & Development Finance Loans (FSAKAGAI), SME Commercial Real Estate (CRE) Lending (FSABABAG), Balance-Sheet / Portfolio CRE Lending (FSALADAG), Credit Cards & Revolving Credit (FSABAAAC)
Keywords
Where Fremont Bank is headquartered
LocationHeadquarters
- HQ city
- Fremont
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Fremont Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income from Lending: Traditional banking revenue from interest earned on mortgage loans (purchase, refinance, home equity), business loans (term loans, lines of credit, SBA loans, commercial real estate, multi-family, construction), and specialty finance products.
- Deposit Account Fees: Fee income from personal and business checking and savings accounts, credit cards, and related banking services.
- Treasury Management Services: Revenue from business treasury services including payroll services, payment services, electronic fund transfers, merchant services, and remote deposit capture.
- Wealth Management through LPL Financial: Revenue sharing arrangement through FB Investment Services division offering wealth planning, investing, retirement planning, estate planning, insurance, and trust services via LPL Financial partnership.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard banking account products with checking, savings, CDs, and credit cards |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
Fremont Bank product offering
Product offeringCore offering
Fremont Bank is a family-owned community bank delivering personal banking (checking, savings, CDs, credit cards, mortgages, home equity, private banking) and business banking (checking, savings, credit cards, term loans, lines of credit, SBA loans, commercial real estate, multi-family, construction, specialty finance, treasury management) to the Bay Area, supplemented by wealth management, retirement, estate, insurance, and trust services delivered through FB Investment Services in partnership with LPL Financial. Distribution is via physical branches, online banking, mobile apps, and phone banking.
Product overview
Fremont Bank is a community bank offering a comprehensive suite of banking products and services organized into four main divisions: Personal Banking, Business Banking, Wealth Management, and Treasury Management. The Personal Banking division includes checking, savings, credit cards, private banking, digital banking, and mortgage products (purchase loans, refinance, home equity). Business Banking encompasses checking/savings accounts, credit cards, various loan products (term loans, lines of credit, SBA loans, commercial real estate, multi-family, construction, specialty finance), and digital banking. Wealth Management services are provided through FB Investment Services (a division of Fremont Bank partnered with LPL Financial) covering wealth planning, retirement planning, estate planning, insurance, college savings, and trust & estate services. Treasury Management provides cash management solutions including payroll services, payment services, electronic fund transfers, merchant services, and remote deposit capture.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Checking accounts for personal banking customers with digital banking access and minimal fees, available to Bay Area consumers.
- Personal Savings & CDs Savings accounts and Certificates of Deposit for personal banking customers.
- Credit Cards Personal credit card products offered through Fremont Bank to individual consumers.
- Private Banking Premium banking services with tailored financial solutions for high-net-worth individuals.
- Digital Banking Mobile and online banking platform enabling account access, transfers, bill pay, and transactions from any device for personal customers.
- Mortgages & Home Loans Home purchase loans, refinance options, home equity loans, and lines of credit for personal consumers, supported by local market knowledge and an on-time closing guarantee.
- Business Checking Business checking accounts designed for business banking customers in the Bay Area.
- Business Savings & CDs Business savings accounts and Certificates of Deposit for business banking customers.
- Business Credit Cards Credit card products designed for business banking customers.
- Business Digital Banking Online and mobile banking platform for business customers providing account access, wire/ACH transfers, bill pay, positive pay, ACH filtering/blocking, remote deposit capture, SFTP service, and mobile check deposits.
- Business Term Loans Fixed-term loans for business capital needs and growth initiatives.
- Business Lines of Credit Revolving credit facilities for ongoing business working capital needs.
- SBA Loans Small Business Administration loans, including SBA 7(a) and other SBA programs; Fremont Bank is recognized as a top SBA lender in the Bay Area.
- Commercial Real Estate Loans Financing for commercial real estate acquisitions and developments.
- Multi-Family Loans Financing solutions for multi-family residential properties.
- Construction Loans Financing for construction and development projects.
- Specialty Finance Specialized lending solutions tailored to specific industry needs.
- Treasury Management Comprehensive cash management services including payroll, payment services, electronic fund transfers, merchant services, and remote deposit capture for business customers.
- Wealth Planning & Investing Investment and financial planning services delivered through FB Investment Services, a division of Fremont Bank, in partnership with LPL Financial.
- Trust & Estate Services Trust administration, fiduciary investment services, estate settlement, and custody services delivered through Fremont Bank's wealth management division.
- FB Investment Services Investment services division of Fremont Bank offering securities and advisory services through LPL Financial, a registered investment advisor and broker dealer (member FINRA/SIPC).
Companies that use Fremont Bank
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles3 records
Fremont Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature4 records
Fremont Bank partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and supporting.
- LPL FinancialcoreFB Investment Services, a Division of Fremont Bank, partners with LPL Financial for wealth management and investment services. LPL Financial is a registered investment advisor and broker dealer (member FINRA/SIPC). The partnership enables Fremont Bank to offer wealth planning, investing, retirement planning, estate planning, insurance, and trust services through LPL-registered representatives who are also Fremont Bank employees.
- Q2 e-BankingsupportingQ2 e-Banking provides cloud-based software technology enabling the Business Online Banking platform. Fremont Bank uses Q2's infrastructure for delivering digital banking services including analytics and usage data processing.
- Fiserv, Inc.supportingFiserv, Inc. provides technology services for the Business Online Banking platform, supporting transaction processing and data analytics capabilities for Fremont Bank's digital banking services.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Fremont Bank competitors and assessment
Company assessmentBroad incumbents
- East West Bank: Larger California-based commercial bank with strong SBA lending franchise and Asian-American business focus; overlaps with Fremont Bank in SBA lending and Bay Area SMB market but operates at meaningfully larger scale.
- Pacific Premier Bancorp: West Coast community bank holding company with diversified commercial banking, treasury management, and SBA lending—comparable business model though larger and broader geographically than Fremont Bank.
Direct peers
- Tri Counties Bank: Northern California community bank offering personal, business, and commercial banking across diverse California markets—comparable in community-bank positioning, deposit-funded lending model, and relationship banking emphasis.
- CVB Financial (Citizens Business Bank): California-headquartered community business bank serving SMB and middle-market clients with C&I, CRE, and SBA loans—a directly comparable California community/commercial banking franchise.
- First Northern Bank of California: Northern California community bank providing personal, business, and commercial banking with strong SBA and CRE lending—similar California community-bank operating model and customer mix to Fremont Bank.
- Bank of Marin: Bay Area community bank focused on businesses, nonprofits, and consumers with relationship-based commercial and retail banking—a comparable California community bank with similar SMB and CRE lending orientation.
- Preferred Bank: Los Angeles-based commercial bank serving middle-market businesses with C&I, CRE, and SBA lending—overlapping California commercial banking franchise and SBA product expertise with Fremont Bank.
- Mechanics Bank: California-focused full-service community bank offering personal, business, and commercial banking with similar Bay Area/California footprint and SBA/CRE lending expertise—directly comparable in product mix and customer base to Fremont Bank.
- Heritage Bank of Commerce: Bay Area-headquartered community commercial bank serving SMBs and professionals with deposit, lending, and treasury management products—a close peer given shared geography, customer segments, and full-service community banking model.
Regional players
- Banner Bank: Pacific Northwest community bank offering full-service personal and business banking including SBA lending—comparable full-service community banking model though serving a different regional footprint.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Fremont Bank social profiles
Digital presenceFremont Bank compliance and trust
Trust signalCompliance5 records
Fremont Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fremont Bank leadership team
Management profileNumber of profiles
Profiles2 records
Fremont Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fremont Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fremont Bank
What does Fremont Bank do?
Fremont Bank is a family-owned community bank delivering personal banking (checking, savings, CDs, credit cards, mortgages, home equity, private banking) and business banking (checking, savings, credit cards, term loans, lines of credit, SBA loans, commercial real estate, multi-family, construction, specialty finance, treasury management) to the Bay Area, supplemented by wealth management, retirement, estate, insurance, and trust services delivered through FB Investment Services in partnership with LPL Financial. Distribution is via physical branches, online banking, mobile apps, and phone banking.
Is Fremont Bank a public or private company?
Fremont Bank is a private company. It is classified as family owned and is currently operating.
When was Fremont Bank founded?
Fremont Bank was founded in 1964. It employs 501 to 1,000 people.
Where is Fremont Bank based?
Fremont Bank is headquartered in Fremont, United States, in the North America region.
How does Fremont Bank make money?
Four revenue lines are on record. Interest Income from Lending is the primary driver. The others are deposit Account Fees, treasury Management Services and wealth Management through LPL Financial.
Who are Fremont Bank's main competitors?
Broad incumbents on record are East West Bank and Pacific Premier Bancorp. Direct peers are Tri Counties Bank, CVB Financial (Citizens Business Bank), First Northern Bank of California, Bank of Marin, Preferred Bank, Mechanics Bank and Heritage Bank of Commerce. Banner Bank is listed as a regional player.
Does Fremont Bank have an API?
No public API is recorded for Fremont Bank.
What industry is Fremont Bank in?
Fremont Bank's product category is Retail Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSAKAGAI, SBA/Government-Backed & Development Finance Loans. Its NAICS code is 52211 and its SIC code is 6022.