Fulton Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale climbed 185.2% in Q2 2026, from $11.9M to $33.9M. It was the largest change from Q1 2026 among the key lines here. Fulton Bank, N.A. ranks 49th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 89.01% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio; Fulton Bank, N.A. reported 89.01% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $24.40B |
| Net loans and leases | $24.05B |
| Loans held for sale | $33.9M |
| Loans to total assets | 74.94% |
| Loan-to-deposit ratio | 89.01% |
| Net loans to equity capital | 6.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.29% |
| Multifamily (5+ residential) | 6.40% |
| Commercial and industrial | 11.30% |
| Consumer | 2.40% |
| Credit cards | 0.00% |
| Farm | 2.75% |
| Loans to depository institutions | 0.01% |
| State and political subdivisions | 3.68% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 188.24% |
| Construction concentration (Tier 1 capital + allowance) | 24.55% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $341.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $21.20B | $21.59B | 30.10% | 13.10% | 3.63% |
| Q4 2023 | $21.37B | $21.73B | 29.93% | 13.31% | 3.53% |
| Q1 2024 | $21.45B | $21.96B | 30.07% | 13.30% | 3.37% |
| Q2 2024 | $24.13B | $25.76B | 31.33% | 12.63% | 2.89% |
| Q3 2024 | $24.19B | $26.32B | 31.24% | 12.44% | 2.72% |
| Q4 2024 | $24.07B | $26.24B | 30.75% | 12.47% | 2.64% |
| Q1 2025 | $23.88B | $26.48B | 30.78% | 12.42% | 2.58% |
| Q2 2025 | $24.04B | $26.38B | 30.50% | 12.37% | 2.51% |
| Q3 2025 | $24.06B | $26.58B | 30.73% | 11.51% | 2.42% |
| Q4 2025 | $24.16B | $26.85B | 30.76% | 11.90% | 2.40% |
| Q1 2026 | $24.28B | $27.04B | 31.44% | 11.66% | 2.40% |
| Q2 2026 | $24.40B | $27.42B | 31.29% | 11.30% | 2.40% |
Fulton Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fulton Bank, N.A., freeSource: Call Report Schedule RC-C, 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)