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
Unfavorable gap of $5.5M · efficiency ratio beats 74% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.79% | 0.72% | 1.06% | 1.45% | Beats 88% | 93 / 746 | |
| Return on Equity | 6.17% | 6.74% | 10.51% | 13.63% | Beats 23% | 578 / 746 | |
| Net Interest Margin | 3.35% | 3.17% | 3.68% | 4.16% | Beats 32% | 505 / 746 | |
| Efficiency Ratio | 56.18% | 55.74% | 64.58% | 75.47% | Beats 74% | 198 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.70% | 0.09% | 0.42% | 1.07% | Beats 38% | 465 / 743 | |
| Net Charge-Offs / Loans | 0.11% | 0.00% | 0.01% | 0.05% | Beats 14% | 639 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 41.32% | 11.55% | 13.75% | 17.60% | Beats 97% | 19 / 746 | |
| Total Risk-Based Capital Ratio | 41.71% | 11.71% | 14.33% | 18.43% | Beats 97% | 21 / 746 | |
| Equity / Assets | 28.98% | 8.90% | 10.51% | 13.06% | Beats 98% | 16 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 92.47% | 61.31% | 78.27% | 90.78% | 79th pctl | 160 / 746 | |
| Loans / Assets | 53.32% | 53.60% | 66.97% | 76.08% | 24th pctl | 564 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |