Fulton Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 11.70 percentage points lower than in Q1 2026, at 77.75%. Among 105 New York banks, Fulton Savings Bank sits 3rd from the top on return on assets, 2.89% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Fulton Savings Bank reported 2.89% on return on assets in Q2 2026, 1.63 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 41.32% |
| Tier 1 risk-based capital ratio | 41.32% |
| Total risk-based capital ratio | 41.71% |
| Tier 1 leverage ratio | 31.44% |
| Equity capital to assets | 28.98% |
| Tangible equity to tangible assets | 28.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.71% |
| Non-performing assets ratio | 0.38% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 1.29% |
| Allowance for credit losses to loans | 0.55% |
| Reserve coverage of non-performing loans | 77.75% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.89% |
| Return on equity | 10.04% |
| Net interest margin | 3.86% |
| Efficiency ratio | 45.82% |
| Yield on earning assets | 4.35% |
| Cost of funds | 0.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.47% |
| Core deposits to total deposits | 99.11% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 57.66% |
| Securities to assets | 22.70% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 52.26% | 52.26% | 52.65% | 28.47% | 1.60% |
| Q4 2023 | 52.15% | 52.15% | 52.49% | 29.39% | 1.47% |
| Q1 2024 | 48.25% | 48.25% | 48.56% | 29.46% | 2.60% |
| Q2 2024 | 53.03% | 53.03% | 53.51% | 29.52% | 1.32% |
| Q3 2024 | 53.62% | 53.62% | 54.07% | 30.31% | 2.40% |
| Q4 2024 | 40.74% | 40.74% | 41.06% | 29.66% | 1.43% |
| Q1 2025 | 40.63% | 40.63% | 40.92% | 29.80% | 0.89% |
| Q2 2025 | 40.54% | 40.54% | 40.93% | 30.45% | 2.17% |
| Q3 2025 | 40.57% | 40.57% | 40.87% | 31.18% | 2.65% |
| Q4 2025 | 41.28% | 41.28% | 41.62% | 31.36% | 1.85% |
| Q1 2026 | 40.48% | 40.48% | 40.91% | 30.85% | 0.72% |
| Q2 2026 | 41.32% | 41.32% | 41.71% | 31.44% | 2.89% |
Fulton Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fulton Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)