How Big Is Fulton Savings Bank?
Fulton Savings Bank holds $464M in total assets and $294M in deposits, making it a community bank by U.S. standards. By total assets it is the 1,660th-largest of the 3,960 FDIC-insured banks we track — in the top 42% by size. Those figures come from Fulton Savings Bank's latest FDIC call report (cert #15966); it is a local community institution, with $100 million to $1 billion in assets.
This page answers a common banking-safety question: How Big Is Fulton Savings Bank?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Fulton Savings Bank Size at a Glance
- Total assets
- $464M
- Total deposits
- $294M
- Domestic deposits
- $294M
- Size class
- community bank
- Rank by assets
- #1,660 of 3,960
- Headquarters
- Fulton, New York
Source: FDIC Call Report data (cert #15966). Figures reflect the latest reported quarter.
With $464M in total assets, Fulton Savings Bank is a local community institution, with $100 million to $1 billion in assets. Nationally, that makes it the 1,660th-largest of the 3,960 FDIC-insured banks we track, in the top 42% by size. The bank funds those assets largely with $294M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 53.03% | 100/100 |
| Nonperforming Loan Ratio | 0.65% | 87/100 |
| Liquidity Ratio | 30.06% | 100/100 |
| Return on Assets | 2.31% | 100/100 |
| Total Assets | $0.5B | |
How does Fulton Savings Bank compare?
With a Bank Health Score of 96/100, Fulton Savings Bank sits 26.0 points above the national average of 70/100 for FDIC-insured banks. Within New York, where 130 FDIC-insured banks are headquartered, Fulton Savings Bank ranks above the state average of 71/100 (Grade B).
The bank's Tier 1 capital ratio of 53.03% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.65% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Fulton Savings Bank's Bank Health Score improved by 2.0 points to 96/100. Tier 1 capital strengthened by 0.76 percentage points to 53.03%. Quarter-over-quarter, the score fell by 1.0 points.
Frequently Asked Questions
Fulton Savings Bank holds $464M in total assets and $294M in deposits, making it a community bank by U.S. standards. By total assets it is the 1,660th-largest of the 3,960 FDIC-insured banks we track — in the top 42% by size. Those figures come from Fulton Savings Bank's latest FDIC call report (cert #15966); it is a local community institution, with $100 million to $1 billion in assets.
Fulton Savings Bank ranks 1,660th by total assets out of the 3,960 FDIC-insured banks BankHealth tracks, placing it in the top 42% by size. Its $464M in assets classify it as a community bank.
Fulton Savings Bank reports $464M in total assets and $294M in total deposits ($294M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. Fulton Savings Bank earns a Bank Health Score of 96/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $464M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. Fulton Savings Bank (FDIC certificate #15966) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Fulton Savings Bank
Fulton Savings Bank holds $464M in total assets and $294M in deposits, making it a community bank by U.S. standards. By total assets it is the 1,660th-largest of the 3,960 FDIC-insured banks we track — in the top 42% by size. Those figures come from Fulton Savings Bank's latest FDIC call report (cert #15966); it is a local community institution, with $100 million to $1 billion in assets.