PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $2.3MQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $195.2M31%Noninterest $88.6MQ3 2024Q2 2026

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 2.86%, up 73 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.70% of loans (+20 bps YoY), with net charge-offs at 0.00%.
  • 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.

Return on Assets (quarter, annualized)

2.86%+73 bps YoY

Net Interest Margin (quarter, annualized)

3.44%+5 bps YoY

Efficiency Ratio (quarter, annualized)

46.69%-179 bps YoY

Tier 1 Leverage Ratio

31.44%+99 bps YoY

NIM

3.85%Q2 ’243.89%Q2 ’253.89%Q2 ’26+0%+1%

Non-interest income vs. expense

2.75%Q2 ’242.76%Q2 ’252.98%Q2 ’26-70%-91%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.34%1.42%0.88%2.13%2.61%1.84%0.72%2.86%+73 bps
Return on Equity9.08%5.45%3.38%8.10%9.57%6.54%2.54%10.04%+194 bps
Net Interest Margin3.44%3.41%3.28%3.39%3.38%3.52%3.29%3.44%+5 bps
Efficiency Ratio51.09%85.97%76.02%48.48%48.60%83.03%72.04%46.69%-179 bps
Non-Interest Burden0.54%2.79%2.37%0.46%0.36%2.59%2.21%0.04%-42 bps
Growth
Asset Growth (YoY)3.47%3.38%2.91%3.69%0.80%2.41%2.41%2.36%-132 bps
Loan Growth (YoY)6.36%5.43%4.86%4.27%3.48%5.24%4.79%5.53%+126 bps
Deposit Growth (YoY)-5.31%-0.74%4.79%3.60%3.03%0.10%-8.33%-6.91%-1,051 bps
Asset Quality
Nonperforming Loans / Loans0.62%0.54%0.52%0.50%0.88%0.80%0.68%0.70%+20 bps
Net Charge-Offs / Loans0.05%0.10%0.04%0.08%0.01%0.07%0.02%0.00%-8 bps
Allowance / Loans0.48%0.45%0.41%0.55%0.43%0.48%0.61%0.55%0 bps
Allowance Coverage of NPLs0.8x0.8x0.8x1.1x0.5x0.6x0.9x0.8x-0.3x
Capital
Tier 1 Leverage Ratio30.31%29.66%29.80%30.45%31.18%31.36%30.85%31.44%+99 bps
Total Risk-Based Capital54.07%41.06%40.92%40.93%40.87%41.62%40.91%41.71%+78 bps
Equity / Assets26.11%26.06%26.07%26.60%27.93%28.27%28.00%28.98%+238 bps
Liquidity & Funding
Loans / Deposits84.78%83.70%80.37%81.58%85.15%88.00%91.88%92.47%+1,090 bps
Liquid Assets / Assets3.45%4.05%5.00%4.20%2.30%3.18%4.18%3.07%-113 bps
CRE / Total Capitaln/an/an/an/a14.62%16.27%14.84%n/an/a