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Fulton Savings Bank
Fulton, NY · FDIC Certificate #15966 · Chartered 01/0
Total assets
$492.26M
Total deposits
$283.83M
Total equity
$142.66M
Net loans
$261.02M
Branches (offices)
6
Net income (YTD)
$4.40M
Rank: #1,806 of 4,213 U.S. banks by assets · #78 of 115 in New York. Assets changed 2.4% and deposits -6.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.79% |
| Return on equity | 6.30% |
| Net interest margin (YTD) | 3.86% |
| Equity to assets | 28.98% |
| Tier 1 leverage ratio | 31.44% |
| Uninsured deposits (share of deposits) | 4.9% |
| Noncurrent loans (share of loans) | 0.70% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 92.0% |
| Real estate loans (share of loans) | 99.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $258.99M | 99.2% | |
| Commercial & industrial | $827.00K | 0.3% | |
| Consumer / individual | $2.49M | 1.0% | |
| Construction & development | $4.98M | 1.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $444.06M | $326.69M | -$649.00K | $107.10M |
| Jun 2023 | $465.21M | $314.70M | $3.50M | $107.72M |
| Jun 2024 | $463.80M | $294.30M | $4.48M | $117.62M |
| Jun 2025 | $480.90M | $304.89M | $3.62M | $127.90M |
| Jun 2026 | $492.26M | $283.83M | $4.40M | $142.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $283.82M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $283.82M.
Similar-sized banks
Security State Bank ($492.27M) · Arundel Bank ($492.08M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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