Fulton Savings Bank
BankRegReports is independent of Fulton Savings Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Fulton Savings Bank is an FDIC-insured savings bank headquartered in Fulton, NY, established in 1871 (FDIC certificate 15966), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $492.3M, up 2.4% from Q2 2025, the 72nd largest of 105 banks headquartered in New York. Its CET1 capital ratio was 41.32% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15966
- Headquarters
- Fulton, NY
- Established
- 1871
- Total assets, Q2 2026
- $492.3M
- Assets vs Q2 2025
- +2.4%
- CET1 ratio, Q2 2026
- 41.32%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 221370496
- Latest call report
- Q2 2026, FFIEC 051 · Fulton Savings Bank call report
- Asset rank in state
- 72nd of 105 in New York
Fulton Savings Bank is one of the more profitable banks of its size. The Fulton, New York bank had $492 million in assets at June 30, 2026, up 2.4% from a year earlier. It earns about $2.89 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 0.64% on its deposits and borrowings, about a third the median of 1.80% for banks its size. Much of that comes from cost control: it spends about 46 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $3.5 million, 37% above the same quarter a year earlier. Over the same year, loans grew 5.5% and deposits shrank 6.9%. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.70% of loans from 0.50% a year earlier.
As of June 30, 2026, Fulton Savings Bank reported a CET1 capital ratio of 41.32%, a return on assets of 2.89%, a nonperforming-loan ratio of 0.70% and a Texas ratio of 1.27%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Fulton Savings Bank is the 72nd largest of the 105 banks headquartered in New York. From Q1 2026 to Q2 2026, its total assets fell 0.2% to $492.3M, loans rose 1.2% and deposits rose 0.6%. 1-4 family residential loans made up 89.7% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 6.3%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in NY; its Fulton office books 34% of its branch deposits. Judged on its Q2 2026 call report, Fulton Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 75 S 1st St, Fulton, NY 13069
- County
- Oswego
- Metro Area
- Syracuse, NY
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1871
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 69
- Domestic deposits
- $283.8M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $9K
- Average total assets
- $488.4M
- Average total loans
- $261.1M
- Average interest-bearing deposits
- $195.6M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- July 1, 1943
- FDIC Cert
- 15966
- Fed RSSD
- 900502
- Website
- www.fultonsavings.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Fulton Savings Bank's total assets ranged from $457.9M (Q3 2023) to $493.0M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$492.3M total assets against $480.9M; $349.6M total liabilities against $353.0M.
$261.0M net loans and leases against $247.3M; $283.8M total deposits against $304.9M.
$111.8M securities against $115.3M; $20.4M cash and balances due against $25.0M.
$4.7M total interest income against $4.6M; $546K total interest expense against $589K.
$4.2M net interest income against $4.0M.
$3.6M total noninterest income against $2.7M; $3.6M total noninterest expense against $3.3M.
-$149K provision for credit losses against $422K.
$3.5M net income against $2.6M.
2.89% return on assets against 2.17%; 3.86% net interest margin against 3.79%.
41.32% CET1 capital ratio against 40.54%; 31.44% tier 1 leverage ratio against 30.45%.
Inside the full Fulton Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFulton Savings Bank rankings
Its closest position to the top of a national ranking is 19 of 2,134, for CET1 ratio; its furthest is 2,560 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.72% (Q1 2026) to 2.89% (Q2 2026) and its net interest margin ran from 3.69% (Q1 2025) to 3.97% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 41.32% | 2.89% | 0.70% | 1.27% | 3.86% |
| Q1 2026 | 40.48% | 0.72% | 0.68% | 1.39% | 3.73% |
| Q4 2025 | 41.28% | 1.85% | 0.80% | 1.56% | 3.97% |
| Q3 2025 | 40.57% | 2.65% | 0.88% | 1.64% | 3.78% |
| Q2 2025 | 40.54% | 2.17% | 0.50% | 0.95% | 3.79% |
| Q1 2025 | 40.63% | 0.89% | 0.52% | 1.01% | 3.69% |
| Q4 2024 | 40.74% | 1.43% | 0.54% | 1.06% | 3.87% |
| Q3 2024 | 53.62% | 2.40% | 0.62% | 1.20% | 3.86% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Fulton Savings Bank (main office) | Fulton , NY | 13069 | $97.2M |
| Central Square Branch | Central Square , NY | 13036 | $59.7M |
| Phoenix Branch | Phoenix , NY | 13135 | $41.3M |
| Village Green Branch | Baldwinsville , NY | 13027 | $36.2M |
| Brewerton Branch | Brewerton , NY | 13029 | $25.8M |
| Constantia Branch | Constantia , NY | 13044 | $23.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 118 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $110K approved, $110K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Fulton Savings Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Fulton Savings Bank with peers
Frequently asked about Fulton Savings Bank
What are Fulton Savings Bank's total assets?
As of the Q2 2026 filing, Fulton Savings Bank reported total assets of $492.3 million in its FFIEC call report.
Where is Fulton Savings Bank headquartered?
It is headquartered in Fulton, NY, United States.
When was Fulton Savings Bank founded?
It was established in 1871, per the FDIC institution directory.
Is Fulton Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #15966). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fulton Savings Bank?
Fulton Savings Bank's primary federal regulator is the FDIC.
What is Fulton Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 41.32% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Fulton Savings Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fulton Savings Bank's Texas Ratio?
Its Texas Ratio is 1.27% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Fulton Savings Bank.
Get an email when Fulton Savings Bank files its next call report, and benchmark it against any peer you choose.
Unlock Fulton Savings Bank, freeFree account