Fulton Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Fulton Savings Bank of Fulton, NY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.89% | 1.34% | +1.55% | 97th top |
| ROAE | 10.04% | 13.32% | -3.28% | 36th below |
| Net Interest Margin | 3.86% | 3.93% | -0.07% | 46th below |
| Efficiency Ratio | 45.82% | 61.15% | -15.33% | 88th top |
| PPNR / Avg Assets | 3.40% | 1.68% | +1.72% | 97th top |
| Yield on Earning Assets | 4.35% | 5.67% | -1.32% | 6th bottom |
| Cost of Funds | 0.64% | 1.88% | -1.24% | 97th top |
| Net Interest Spread | 3.48% | 3.32% | +0.16% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.71% | 0.94% | -0.23% | 37th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.38% | 0.70% | -0.32% | 45th below |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 79th top |
| ACL / Total Loans | 0.55% | 1.28% | -0.73% | 4th bottom |
| ACL / NPLs (Coverage) | 77.75% | 1539.43% | -1461.68% | 20th bottom |
| Texas Ratio | 1.29% | 7.33% | -6.04% | 69th above |
| Provision / NCO | 2400.00% | 1394.76% | +1005.24% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 41.32% | 19.48% | +21.84% | 97th top |
| Tier 1 Ratio | 41.32% | 19.52% | +21.80% | 96th top |
| Total Capital Ratio | 41.71% | 20.60% | +21.11% | 96th top |
| Leverage Ratio | 31.44% | 12.13% | +19.31% | 99th top |
| Equity / Assets | 28.98% | 11.37% | +17.61% | 98th top |
| TCE / Tangible Assets | 28.98% | 11.08% | +17.90% | 99th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.47% | 80.63% | +11.84% | 23rd bottom |
| Core Deposit Ratio | 99.11% | 86.85% | +12.26% | 98th top |
| Wholesale Funding Ratio | 10.56% | 5.03% | +5.53% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.36% | 6.85% | -4.49% | 35th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.53% | 7.90% | -2.37% | 51st above |
| Deposit Growth (Y/Y) | -6.91% | 6.29% | -13.20% | 4th bottom |
See Fulton Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Fulton Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Fulton Savings Bank profile, how to read a UBPR, or how this data updates.