Fulton Savings Bank: 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 to total assets rose 0.73 percentage points from Q1 2026 to Q2 2026, ending at 53.32% against 52.58%. It was the largest change among the key lines on this page. Fulton Savings Bank ranks 33rd of 105 New York banks on loan-to-deposit ratio, in the upper half at 92.47% (Q2 2026). Fulton Savings Bank reported 92.47% on loan-to-deposit ratio for Q2 2026, 11.64 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $262.5M |
| Net loans and leases | $261.0M |
| Loans held for sale | $0 |
| Loans to total assets | 53.32% |
| Loan-to-deposit ratio | 92.47% |
| Net loans to equity capital | 1.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.34% |
| Multifamily (5+ residential) | 0.77% |
| Commercial and industrial | 0.32% |
| Consumer | 0.95% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 15.25% |
| Construction concentration (Tier 1 capital + allowance) | 3.21% |
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 | 5.31% |
| Interest income on loans | $3.5M |
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 | $228.4M | $302.6M | 6.29% | 0.62% | 1.25% |
| Q4 2023 | $233.6M | $296.4M | 5.98% | 0.53% | 1.25% |
| Q1 2024 | $235.9M | $293.7M | 6.23% | 0.55% | 1.21% |
| Q2 2024 | $238.5M | $294.3M | 6.10% | 0.42% | 1.17% |
| Q3 2024 | $242.9M | $286.5M | 5.97% | 0.49% | 1.12% |
| Q4 2024 | $246.3M | $294.2M | 6.12% | 0.49% | 1.06% |
| Q1 2025 | $247.4M | $307.8M | 5.87% | 0.41% | 1.00% |
| Q2 2025 | $248.7M | $304.9M | 5.62% | 0.42% | 0.94% |
| Q3 2025 | $251.4M | $295.2M | 5.36% | 0.39% | 0.96% |
| Q4 2025 | $259.2M | $294.5M | 6.16% | 0.43% | 0.92% |
| Q1 2026 | $259.3M | $282.2M | 5.94% | 0.39% | 0.90% |
| Q2 2026 | $262.5M | $283.8M | 6.34% | 0.32% | 0.95% |
Fulton Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fulton Savings Bank, 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15966) · FFIEC NIC profile (RSSD 900502)