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Fulton Savings Bank

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

Designations: ✓ Mutual

Fulton, NY

6 branches across NY

2664 banks in the $100M-$1B peer group nationally 51 in NY
View $100M-$1B leaderboard (NY) →

Fulton Savings Bank has 1 strength but faces 8 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

  • + Delinquency Rate 0.21% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 3.8% in tier
  • - Credit Risk Growth: Bottom 18.0% in tier
  • - Liquidity Strain: Bottom 21.6% in tier
  • - Credit Quality Pressure: Bottom 38.3% in tier
  • - Capital Constraint: Bottom 87.0% in tier
  • - ROA 0.55% below tier average
  • - Net Interest Margin 0.16% below tier average
  • - Efficiency Ratio 6.75% above tier average
Get updates when Fulton Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $493.0M
+2.4% YoY +0.7% QoQ
+$107.0M $386.1M
+0.5% YoY
$19.3B
+17.3% YoY
$6.2B
+9.1% YoY
71%
Total Loans ? $257.7M
+4.6% YoY -0.1% QoQ
+$2.0M $255.7M
+1.1% YoY
$8.1B
+14.6% YoY
$3.2B
+10.8% YoY
61%
Total Deposits ? $282.2M
-8.3% YoY -4.2% QoQ
-$45.8M $328.0M
+0.1% YoY
$15.1B
+16.0% YoY
$4.8B
+8.2% YoY
51%
Return on Assets ? 0.72%
-18.8% YoY -61.6% QoQ
-0.55% 1.27%
+12.9% YoY
0.86%
+14.3% YoY
1.23%
+13.4% YoY
22%
Net Interest Margin ? 3.77%
+0.2% YoY -2.8% QoQ
-0.16% 3.93%
+6.0% YoY
3.45%
+7.0% YoY
3.89%
+5.7% YoY
45%
Efficiency Ratio ? 72.04%
-5.2% YoY +14.9% QoQ
+6.75% 65.29%
-4.5% YoY
69.17%
-3.6% YoY
66.95%
-4.1% YoY
28%
Delinquency Rate ? 0.68%
+31.4% YoY -15.7% QoQ
-0.21% 0.89%
+18.8% YoY
1.13%
+6.9% YoY
0.95%
+18.8% YoY
37%
Loan-to-Deposit Ratio ? 91.32%
+14.1% YoY +4.3% QoQ
+14.68% 76.64%
+0.8% YoY
77.98%
+0.4% YoY
76.70%
+0.9% YoY
22%
Non-Interest-Bearing Deposit Share ? 30.59%
+7.0% YoY +2.9% QoQ
+8.57% 22.02%
-1.0% YoY
21.94%
+1.2% YoY
22.01%
-1.2% YoY
83%
Nonperforming Asset Ratio ? 0.39%
+48.9% YoY -11.5% QoQ
-0.24% 0.64%
+19.7% YoY
0.73%
+4.5% YoY
0.67%
+19.3% YoY
44%
Tier 1 Capital Ratio ? 40.48%
-0.4% YoY -1.9% QoQ
+24.65% 15.83%
+1.5% YoY
24.83%
+10.8% YoY
17.06%
+0.8% YoY
Top 1.6% in tier
Non-Interest Income / Assets ? 0.14%
+4.7% YoY -92.3% QoQ
-0.14% 0.28%
+9.3% YoY
0.21%
+9.1% YoY
0.32%
+4.1% YoY
68%

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 (0)

No matched strength signatures this quarter

Concerns (5)

Liquidity Overhang

risk
#29 of 739 • Bottom 3.8% 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: 40.48%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 91.32%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#176 of 973 • Bottom 18.0% in tier

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

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#140 of 643 • Bottom 21.6% 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: 91.32%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ

Credit Quality Pressure

risk
#502 of 1308 • Bottom 38.3% in tier

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

Why this signature
Delinquency Rate: 0.68%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Capital Constraint

risk
#95 of 108 • Bottom 87.0% 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: 91.32%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
Tier 1 Capital Ratio: 40.48%
(Tier: 15.83%, National: 17.06%)
better than tier avg
108 of 108 Community banks match · 148 nationally
↑ Growing +19 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

43
Tier 1 Capital Ratio
capital
Value: 40.48%
Peer Median: 15.83%
#43 of 2664 Top 1.6% in $100M-$1B
444
Non-Interest-Bearing Deposit Share
funding
Value: 30.59%
Peer Median: 22.02%
#444 of 2664 Top 16.6% in $100M-$1B

Top Weaknesses (2 metrics)

2089
Return on Assets
profitability
Value: 0.72%
Peer Median: 1.27%
#2089 of 2664 Bottom 21.6% in $100M-$1B
2076
Loan-to-Deposit Ratio
liquidity
Value: 91.32%
Peer Median: 76.64%
#2076 of 2664 Bottom 22.1% in $100M-$1B
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