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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