BlastPoint's Banking Scorecard
Fulton Bank, National Association
Lancaster, PA
229 branches across PA · NJ · MD · DE · VA
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 139 banks in the $10B-$250B peer group nationwide — 1 of 8 in PA.
- Deposits +3.9% year over year ($27.4B on the books).
- Delinquency rate 0.72%.
- Return on assets 1.30%.
- Efficiency ratio 57.38% vs a 53.67% peer average.
- Loan-to-deposit ratio 87.72% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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
- - ROA 0.09% below tier average
- - Net Interest Margin 0.28% below tier average
- - Efficiency Ratio 3.71% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$32.6B
+2.1% YoY
+1.4% QoQ
|
-$11.0B |
$43.6B
-13.8% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
65% |
| Total Loans ? |
$24.0B
+1.7% YoY
+0.6% QoQ
|
-$3.9B |
$28.0B
-8.6% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
68% |
| Total Deposits ? |
$27.4B
+3.9% YoY
+1.4% QoQ
|
-$8.0B |
$35.4B
-14.0% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
67% |
| Return on Assets ? |
1.30%
+1.3% YoY
+4.6% QoQ
|
-0.09% |
1.39%
+25.9% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
53% |
| Net Interest Margin ? |
3.64%
+3.5% YoY
+0.7% QoQ
|
-0.28% |
3.92%
+8.9% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
53% |
| Efficiency Ratio ? |
57.38%
+3.4% YoY
+0.6% QoQ
|
+3.71% |
53.67%
-1.9% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
38% |
| Delinquency Rate ? |
0.72%
-19.5% YoY
-1.4% QoQ
|
-0.29% |
1.01%
-2.8% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
87.72%
-2.2% YoY
-0.8% QoQ
|
+5.11% |
82.61%
+3.1% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
19.63%
-5.4% YoY
-3.0% QoQ
|
-0.95% |
20.58%
+4.9% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.54%
-20.2% YoY
-2.3% QoQ
|
-0.19% |
0.73%
+5.8% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
13.21%
+4.8% YoY
+0.7% QoQ
|
-2.14% |
15.35%
-0.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.46%
+5.8% YoY
+112.9% QoQ
|
-0.03% |
0.50%
+10.5% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
67% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.6%
-1.1pp YoY -0.6pp QoQ |
-1.4pp | 21.0% | 18.7% | 22.2% | 35% |
| Brokered Deposits |
3.5%
+0.5pp YoY +0.9pp QoQ |
-5.7pp | 9.2% | 6.8% | 8.5% | 36% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.5%
-1.1pp YoY -0.4pp QoQ |
-5.7pp | 17.2% | 8.6% | 12.5% | 32% |
| CRE |
41.9%
-0.7pp YoY -0.1pp QoQ |
-0.1pp | 42.0% | 37.9% | 41.4% | 45% |
| 1-4 Family |
36.0%
+1.3pp YoY +0.5pp QoQ |
+12.9pp | 23.1% | 47.8% | 31.3% | 86% |
| Consumer |
2.4%
-0.1pp YoY 0.0pp QoQ |
-10.4pp | 12.9% | 3.8% | 5.0% | 57% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.0%
+0.6pp YoY +0.1pp QoQ |
-2.2pp | 15.3% | 22.3% | 19.7% | 55% |
| Leverage Ratio |
10.2%
+0.4pp YoY 0.0pp QoQ |
-0.2pp | 10.4% | 13.2% | 12.6% | 52% |
| Total Capital Ratio |
14.5%
+0.6pp YoY +0.1pp QoQ |
-2.0pp | 16.5% | 23.3% | 20.8% | 56% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
3,416
+22 (+0.6%) YoY +91 (+2.7%) QoQ |
+158 | 3,258 | 299 | 482 | 74% |
| Assets per Employee ($) |
$9.5M
+1.4% YoY -1.3% QoQ |
-$17.5M | $27.0M | $9.2M | $8.8M | 29% |
| Branch Count |
208
-4 (-1.9%) YoY 0 QoQ |
+70 | 137 | 20 | 18 | 78% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.4% | 0.2% | 0.4% | 71% |
| Nonaccrual |
0.6%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 0.7% | 0.9% | 1.0% | 48% |
| Allowance Coverage |
2.03x
+14.6% YoY -2.8% QoQ |
-0.78x | 2.81x | 3.63x | 20.23x | 60% |
| Net Charge-off Rate (YTD) |
0.3%
+0.1pp YoY +0.1pp QoQ |
-0.1pp | 0.4% | 0.1% | 0.2% | 72% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.8%
-0.4pp YoY +0.5pp QoQ |
-0.8pp | 12.6% | 10.2% | 11.6% | 57% |
| Cost of Funds (YTD) |
1.7%
-0.3pp YoY 0.0pp QoQ |
-0.3pp | 2.0% | 1.8% | 1.7% | 37% |
| Net Income ($, YTD) |
$210.1M
+2.2% YoY — QoQ |
-$86.7M | $296.8M | $18.2M | $40.4M | 64% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.