Fulton Savings Bank
Fulton, New York · FDIC Cert #15966
Fulton Savings Bank is an FDIC-insured bank (Certificate #15966) with $464M in total assets and $294M in total deposits as of the Q2 2024 Call Report. Headquartered in Fulton, New York, the bank maintains a Tier 1 capital ratio of 53.03% (Well-Capitalized) and a nonperforming loan ratio of 0.65%. BankHealthData assigns a composite Health Grade of A (96/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Fulton Savings Bank (FDIC cert 15966) is a community bank — $464M in total assets, $294M in deposits, serving the Fulton, New York area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 53.03% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.65% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 30.1% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 2.31% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Fulton Savings Bank carries a composite BankHealth grade of A (96/100) 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 Savings Bank
- Total Assets
- $464M
- Total Deposits
- $294M
- Tier 1 Capital Ratio
- 53.03%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.65%
- Liquidity Ratio
- 30.06%
- Return on Assets
- 2.31%
- Headquarters
- Fulton, New York
- FDIC Certificate
- #15966
- Health Grade
- A (96/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Fulton Savings Bank holds a Tier 1 capital ratio of 53.03%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Fulton Savings Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Fulton Savings Bank shows strong financial health indicators. With $464M in assets and a Health Score of 96/100, 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 Savings Bank Compares
Fulton Savings Bank’s Health Score of 96 is 25 points above the New York state average of 71 across 130 FDIC-insured banks. Its 53.03% Tier 1 capital ratio is 39.0 points above the US banking industry average near 14%. The 0.65% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.31% is in line with or above the national ROA benchmark of ~1.1%. Among 1490 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Fulton Savings Bank is 26 points above the portfolio average of 70.
Frequently Asked Questions
Fulton Savings Bank has a Bank Health Score of A (96/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 53.03%, 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 Savings Bank's Tier 1 capital ratio of 53.03% and nonperforming loan ratio of 0.65% 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 Savings Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #15966). 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 Savings Bank holds $464M in total assets and $294M in total deposits. It is headquartered in Fulton, New York (FDIC Certificate #15966).
Fulton Savings Bank has a Tier 1 capital ratio of 53.03%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.65%, and the return on assets is 2.31%.
Yes. Fulton Savings Bank is FDIC-insured (Certificate #15966). 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 A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Fulton Savings Bank'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.