FULTON SAVINGS BANK

FULTON, NY | Small | Est. Jan. 1, 1871, midnight | FDIC #15966 | RSSD #900502 | FDIC
Latest Report: 2025-12-31

FULTON SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in FULTON, NY, established in Jan. 1, 1871, midnight. As of 2025-12-31, the bank reported total assets of $488M and total deposits of $295M. Profitability stands at 1.89% ROA and 6.74% ROE, with a net interest margin of 3.80%. The bank's CET1 capital ratio is 41.06%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.80% and a Texas Ratio of 1.58%. FDIC Certificate #15966.

Assets

$488M

Deposits

$295M

Loans

$259M

Equity

$137M

Profitability

Return on Assets (ROA) 1.89%
Return on Equity (ROE) 6.74%
Net Interest Margin (NIM) 3.80%
Yield on Assets 4.36%
Cost of Funds 0.75%

Asset Quality

NPL Ratio 0.80%
Net Charge-Off Ratio 0.05%
Texas Ratio 1.58%
NPA Ratio 0.45%
ACL / Loans 0.48%

Capital & Liquidity

CET1 Ratio 41.06%
Tier 1 Capital 41.06%
Total Capital Ratio 41.40%
Leverage Ratio 31.10%
Loan-to-Deposit 88.00%

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