Fulton Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 15.0% higher than in Q1 2026, at $1.18B. Fulton Bank, N.A. ranks 49th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 89.01% (Q2 2026). At 89.01%, Fulton Bank, N.A.'s loan-to-deposit ratio is close to the 86.83% median for banks in the $10B-100B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.18B |
| Cash and noninterest-bearing balances to assets | 3.61% |
| Cash and securities | $6.25B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $43.6M |
| Other borrowed money | $848.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.61% |
| Trading liabilities | $154.6M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.01% |
| Net loans and leases to deposits | 87.72% |
| Loans and leases to core deposits | 92.82% |
| Core deposits to total deposits | 92.36% |
| Brokered deposits to total deposits | 3.53% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 98.20% | 93.42% | $579.9M | $1.25B |
| Q4 2023 | 98.31% | 92.22% | $273.5M | $1.68B |
| Q1 2024 | 97.72% | 91.64% | $52.4M | $1.71B |
| Q2 2024 | 93.68% | 93.08% | $48.3M | $1.59B |
| Q3 2024 | 91.92% | 93.00% | $41.5M | $1.47B |
| Q4 2024 | 91.73% | 92.94% | $35.2M | $1.38B |
| Q1 2025 | 90.17% | 93.32% | $45.4M | $1.24B |
| Q2 2025 | 91.11% | 92.81% | $40.8M | $1.37B |
| Q3 2025 | 90.54% | 93.29% | $36.8M | $1.07B |
| Q4 2025 | 89.99% | 92.79% | $39.1M | $890.7M |
| Q1 2026 | 89.78% | 93.25% | $45.5M | $839.4M |
| Q2 2026 | 89.01% | 92.36% | $43.6M | $848.2M |
Fulton Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Fulton Bank, N.A., freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Fulton Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7551) · FFIEC NIC profile (RSSD 474919)