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Fulton Savings Bank

$100M-$1B Specialty: Mortgage NY FDIC cert 15966

Designations: ✓ Mutual

Fulton, NY

6 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
  • Deposits -6.9% year over year ($283.8M on the books).
  • Delinquency rate 0.70%.
  • Return on assets 1.79%.
  • Efficiency ratio 56.18% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.96% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY
View $100M-$1B leaderboard (NY) →

Fulton Savings Bank has 4 strengths but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 9.4% in tier
  • + ROA 0.47% above tier average
  • + Efficiency Ratio 8.30% below tier average
  • + Delinquency Rate 0.22% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 4.6% in tier
  • - Liquidity Strain: Bottom 25.8% in tier
  • - Credit Risk Growth: Bottom 28.6% in tier
  • - Deposit Outflow: Bottom 38.3% in tier
  • - Credit Quality Pressure: Bottom 42.3% in tier
  • - Capital Constraint: Bottom 84.1% in tier
  • - Net Interest Margin 0.13% below tier average
Get updates when Fulton Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $492.3M
+2.4% YoY -0.2% QoQ
+$105.7M $386.6M
+1.2% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
71%
Total Loans ? $261.0M
+5.5% YoY +1.3% QoQ
+$2.7M $258.3M
+1.7% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
61%
Total Deposits ? $283.8M
-6.9% YoY +0.6% QoQ
-$42.9M $326.7M
+0.7% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
52%
Return on Assets ? 1.79%
+18.7% YoY +150.2% QoQ
+0.47% 1.32%
+10.8% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
80%
Net Interest Margin ? 3.86%
+1.4% YoY +2.5% QoQ
-0.13% 3.99%
+5.0% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
46%
Efficiency Ratio ? 56.18%
-5.7% YoY -22.0% QoQ
-8.30% 64.48%
-3.2% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
69%
Delinquency Rate ? 0.70%
+41.2% YoY +3.3% QoQ
-0.22% 0.92%
+15.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
38%
Loan-to-Deposit Ratio ? 91.96%
+13.4% YoY +0.7% QoQ
+14.01% 77.95%
+1.0% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
22%
Non-Interest-Bearing Deposit Share ? 31.22%
+5.9% YoY +2.0% QoQ
+9.19% 22.03%
-0.6% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
85%
Nonperforming Asset Ratio ? 0.37%
+45.6% YoY -5.6% QoQ
-0.30% 0.67%
+16.4% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
46%
Tier 1 Capital Ratio ? 41.32%
+1.9% YoY +2.1% QoQ
+25.41% 15.91%
+1.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
Top 1.7% in tier
Non-Interest Income / Assets ? 0.86%
+24.7% YoY +539.6% QoQ
+0.30% 0.57%
+7.6% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
Top 4.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Noninterest-Bearing 31.2%
+1.7pp YoY
+0.6pp QoQ
 +9.1pp 22.1% 22.1% 22.2% 84%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 0.3%
-0.1pp YoY
-0.1pp QoQ
 -11.2pp 11.6% 11.0% 12.5% 1%
CRE 9.1%
+0.8pp YoY
+0.4pp QoQ
 -30.5pp 39.5% 46.2% 41.4% 4%
1-4 Family 90.2%
-0.7pp YoY
-0.5pp QoQ
 +57.5pp 32.6% 36.6% 31.3% 98%
Consumer 1.0%
0.0pp YoY
0.0pp QoQ
 -3.2pp 4.1% 5.1% 5.0% 27%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 41.3%
+0.8pp YoY
+0.8pp QoQ
 +22.5pp 18.8% 26.1% 19.7% 97%
Leverage Ratio 31.4%
+1.0pp YoY
+0.6pp QoQ
 +19.3pp 12.2% 13.9% 12.6% 99%
Total Capital Ratio 41.7%
+0.8pp YoY
+0.8pp QoQ
 +21.8pp 19.9% 27.2% 20.8% 97%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 69
-1 (-1.4%) YoY
+2 (+3.0%) QoQ
 +10 58 914 482 70%
Assets per Employee ($) $7.1M
+3.8% YoY
-3.1% QoQ
 -$384K $7.5M $14.8M $8.8M 55%
Branch Count 6
0 YoY
0 QoQ
 +1 4 27 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.7%
+0.2pp YoY
0.0pp QoQ
 -0.2pp 0.9% 1.3% 1.0% 62%
Allowance Coverage 0.79x
-29.3% YoY
-13.2% QoQ
 -23.37x 24.15x 1.92x 20.23x 20%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 41%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 6.3%
+0.5pp YoY
+3.8pp QoQ
 -5.9pp 12.2% 7.9% 11.6% 18%
Cost of Funds (YTD) 0.6%
0.0pp YoY
0.0pp QoQ
 -1.2pp 1.7% 1.8% 1.7% 2%
Net Income ($, YTD) $4.4M
+21.5% YoY
— QoQ
 +$1.8M $2.6M $111.2M $40.4M 83%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#63 of 661 • Top 9.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.86%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.79%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (6)

Liquidity Overhang

risk
#35 of 742 • Bottom 4.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 41.32%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 91.96%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#179 of 691 • Bottom 25.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.96%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#269 of 936 • Bottom 28.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Deposit Outflow

decline
#206 of 535 • Bottom 38.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#532 of 1256 • Bottom 42.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.70%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Capital Constraint

risk
#91 of 107 • Bottom 84.1% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 91.96%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 41.32%
(Tier: 15.91%, National: 17.09%)
better than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

45
Tier 1 Capital Ratio
capital
Value: 41.32%
Peer Median: 15.91%
#45 of 2643 Top 1.7% in $100M-$1B
115
Non-Interest Income / Assets
revenue_mix
Value: 0.86%
Peer Median: 0.57%
#115 of 2643 Top 4.3% in $100M-$1B
407
Non-Interest-Bearing Deposit Share
funding
Value: 31.22%
Peer Median: 22.03%
#407 of 2643 Top 15.4% in $100M-$1B
538
Return on Assets
profitability
Value: 1.79%
Peer Median: 1.32%
#538 of 2643 Top 20.3% in $100M-$1B

Top Weaknesses (1 metrics)

2055
Loan-to-Deposit Ratio
liquidity
Value: 91.96%
Peer Median: 77.95%
#2055 of 2643 Bottom 22.3% in $100M-$1B
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