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Fulton Savings Bank

Fulton, NY · Cert 15966

SI · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

97

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

35

Q2 2024Q2 2026peer median

Efficiency

74

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Fulton Savings Bank

Fulton, NY · Cert 15966

SI · FDIC · 6 branches

Q2 2026

$492.3MAssets
$262.5MLoans
$283.8MDeposits
$142.7MEquity
Loan mix
99%RE $255.8M0%C&I $1.0M1%Consumer $2.3MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $195.2M31%Noninterest $88.6MQ2 2025Q2 2026

NIM

3.78%Q2 ’243.86%Q2 ’253.84%Q2 ’26+1%+0%

Non-interest income vs. expense

2.87%Q2 ’242.83%Q2 ’252.86%Q2 ’26+81%-21%

Market Position · Syracuse, NY · 2026 SOD (annual) · 1.7% share · #11 of 15 inst. · $0.3B of $16.2B

13.2% Oswego
0.5% Onondaga

Executive Summary

  • Earnings: ROA of 1.79%, up 28 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.70% of loans (+20 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 31.44%, up 99 bps from a year ago.
  • Funding: loans stand at 92.47% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.79%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+1 bps YoY

Efficiency Ratio (YTD, annualized)

56.18%-337 bps YoY

Tier 1 Leverage Ratio

31.44%+99 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.51%1.88%1.86%0.72%1.79%+28 bps
Return on Equity5.75%7.04%6.90%2.54%6.30%+55 bps
Net Interest Margin3.34%3.36%3.36%3.29%3.35%+1 bps
Efficiency Ratio59.55%55.37%62.69%72.04%56.18%-337 bps
Non-Interest Burden1.42%1.07%1.43%2.21%1.12%-30 bps
Growth
Asset Growth (YoY)3.69%0.80%2.41%2.41%2.36%-132 bps
Loan Growth (YoY)4.27%3.48%5.24%4.79%5.53%+126 bps
Deposit Growth (YoY)3.60%3.03%0.10%-8.33%-6.91%-1,051 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.88%0.80%0.68%0.70%+20 bps
Net Charge-Offs / Loans0.06%0.04%0.05%0.02%0.01%-5 bps
Allowance / Loans0.55%0.43%0.48%0.61%0.55%0 bps
Allowance Coverage of NPLs1.1x0.5x0.6x0.9x0.8x-0.3x
Capital
Tier 1 Leverage Ratio30.45%31.18%31.36%30.85%31.44%+99 bps
Total Risk-Based Capital40.93%40.87%41.62%40.91%41.71%+78 bps
Equity / Assets26.60%27.93%28.27%28.00%28.98%+238 bps
Liquidity & Funding
Loans / Deposits81.58%85.15%88.00%91.88%92.47%+1,090 bps
Liquid Assets / Assets4.20%2.30%3.18%4.18%3.07%-113 bps
CRE / Total Capitaln/a14.62%16.27%14.84%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Fulton Savings Bank

Fulton, NY · Cert 15966 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SI · FDIC · 6 branches

Q2 2026

$492.3MAssets
$262.5MLoans
$283.8MDeposits
$142.7MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 98% of banks under $1B in assets operating in a single state (rank 16 of 746).
  • Widest gap: net charge-offs / loans trails 86% of banks under $1B in assets operating in a single state (rank 639 of 743).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.79%

Rank 93 of 746

Net Interest Margin

3.35%

Rank 505 of 746

Efficiency Ratio

56.18%

Rank 198 of 746

Equity / Assets

28.98%

Rank 16 of 746

Non-interest income vs. expense

$8.5M$14.0MINCOMEEXPENSE
Unfavorable gap of $5.5M · efficiency ratio beats 74% of banks under $1B in assets operating in a single state
Bank 56.18%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.79%0.72%1.06%1.45%Beats 88%93 / 746
Return on Equity6.17%6.74%10.51%13.63%Beats 23%578 / 746
Net Interest Margin3.35%3.17%3.68%4.16%Beats 32%505 / 746
Efficiency Ratio56.18%55.74%64.58%75.47%Beats 74%198 / 746
Asset Quality
Nonperforming Loans / Loans0.70%0.09%0.42%1.07%Beats 38%465 / 743
Net Charge-Offs / Loans0.11%0.00%0.01%0.05%Beats 14%639 / 743
Capital
Tier 1 Capital Ratio41.32%11.55%13.75%17.60%Beats 97%19 / 746
Total Risk-Based Capital Ratio41.71%11.71%14.33%18.43%Beats 97%21 / 746
Equity / Assets28.98%8.90%10.51%13.06%Beats 98%16 / 746
Liquidity & Funding
Loans / Deposits92.47%61.31%78.27%90.78%79th pctl160 / 746
Loans / Assets53.32%53.60%66.97%76.08%24th pctl564 / 746
Brokered Deposits / Depositsn/aNot reported for this institution