BlastPoint's Banking Scorecard
Fulton Bank, National Association
Lancaster, PA
208 branches across PA · NJ · MD · DE · VA
Fulton Bank, National Association has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.29% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 45.8% in tier
- - Net Interest Margin 0.15% below tier average
- - Efficiency Ratio 3.16% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$32.1B
+0.4% YoY
+0.4% QoQ
|
-$15.3B |
$47.4B
-2.0% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.0% YoY
|
62% |
| Total Loans ? |
$23.9B
+1.8% YoY
+0.5% QoQ
|
-$5.7B |
$29.6B
-0.4% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.7% YoY
|
66% |
| Total Deposits ? |
$27.0B
+2.1% YoY
+0.7% QoQ
|
-$11.7B |
$38.7B
-1.6% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.0% YoY
|
63% |
| Return on Assets ? |
1.25%
+1.2% YoY
-6.3% QoQ
|
-0.04% |
1.28%
+19.3% YoY
|
1.46%
+26.2% YoY
|
1.24%
+13.1% YoY
|
55% |
| Net Interest Margin ? |
3.61%
+3.9% YoY
+0.4% QoQ
|
-0.15% |
3.77%
+5.6% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
56% |
| Efficiency Ratio ? |
57.06%
+2.5% YoY
+1.8% QoQ
|
+3.16% |
53.90%
-4.0% YoY
|
69.09%
-7.7% YoY
|
66.84%
-3.8% YoY
|
39% |
| Delinquency Rate ? |
0.74%
-12.2% YoY
-4.8% QoQ
|
-0.29% |
1.02%
-4.1% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
88.42%
-0.3% YoY
-0.2% QoQ
|
+7.54% |
80.88%
+2.0% YoY
|
83.35%
-0.2% YoY
|
76.69%
+0.9% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
20.23%
-3.4% YoY
+0.8% QoQ
|
+0.40% |
19.82%
+0.3% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.1% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.55%
-11.1% YoY
-4.5% QoQ
|
-0.17% |
0.73%
+4.0% YoY
|
0.67%
+14.7% YoY
|
0.66%
+19.3% YoY
|
44% |
| Tier 1 Capital Ratio ? |
13.12%
+5.0% YoY
+0.8% QoQ
|
-2.44% |
15.56%
-0.1% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.22%
+1.4% YoY
-75.8% QoQ
|
-0.01% |
0.23%
+0.9% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.0% YoY
|
67% |
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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 (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.