Fulton Bank National Assn
Lancaster, Pennsylvania · FDIC Cert #7551
Fulton Bank National Assn is an FDIC-insured bank (Certificate #7551) with $31.6B in total assets and $25.8B in total deposits as of the Q2 2024 Call Report. Headquartered in Lancaster, Pennsylvania, the bank maintains a Tier 1 capital ratio of 11.60% (Well-Capitalized) and a nonperforming loan ratio of 0.73%. BankHealthData assigns a composite Health Grade of B (71/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Fulton Bank National Assn (FDIC cert 7551) is a large bank with $31.6B in total assets and $25.8B in deposits, headquartered in Lancaster, Pennsylvania. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is adequate: Tier 1 capital ratio of 11.60% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.73% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 17.6% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.34% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Fulton Bank National Assn carries a composite BankHealth grade of B (71/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Fulton Bank National Assn
- Total Assets
- $31.6B
- Total Deposits
- $25.8B
- Tier 1 Capital Ratio
- 11.60%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.73%
- Liquidity Ratio
- 17.63%
- Return on Assets
- 1.34%
- Headquarters
- Lancaster, Pennsylvania
- FDIC Certificate
- #7551
- Health Grade
- B (71/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Fulton Bank National Assn holds a Tier 1 capital ratio of 11.60%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Fulton Bank National Assn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Fulton Bank National Assn shows strong financial health indicators. With $31.6B in assets and a Health Score of 71/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Fulton Bank National Assn Compares
Fulton Bank National Assn’s Health Score of 71 is 1 points above the Pennsylvania state average of 70 across 119 FDIC-insured banks. Its 11.60% Tier 1 capital ratio is 2.4 points below the US banking industry average near 14%. The 0.73% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.34% is in line with or above the national ROA benchmark of ~1.1%. Among 73 similarly-sized banks, the average Health Score is 79, meaning this bank ranks below its size cohort. Site-wide, Fulton Bank National Assn is 1 points above the portfolio average of 70.
Frequently Asked Questions
Fulton Bank National Assn has a Bank Health Score of B (71/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.60%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Fulton Bank National Assn's Tier 1 capital ratio of 11.60% and nonperforming loan ratio of 0.73% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Fulton Bank National Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #7551). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Fulton Bank National Assn holds $31.6B in total assets and $25.8B in total deposits. It is headquartered in Lancaster, Pennsylvania (FDIC Certificate #7551).
Fulton Bank National Assn has a Tier 1 capital ratio of 11.60%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.73%, and the return on assets is 1.34%.
Yes. Fulton Bank National Assn is FDIC-insured (Certificate #7551). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Fulton Bank National Assn's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.