Fulton Savings Bank: how it compares with its peers
Against 36 NY banks with half to twice its assets, Fulton Savings Bank's strongest measure in Q2 2026 is return on assets (1.79% vs. a 0.64% peer median). Its weakest relative measure is assets per employee ($7.1M vs. $7.1M).
| Measure | Fulton Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.79% | 0.64% | Top third Ahead of 92% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.86% | 3.63% | Middle third Ahead of 58% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.18% | 74.44% | Top third Ahead of 83% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $7.1M | Middle third Ahead of 53% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.96% | 88.47% | Context |
What it means for lending operations
Its efficiency ratio of 56.18% is better than the 74.44% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Champlain National Bank Elizabethtown, NY · $497M
- Wallkill Valley Federal Savings and Loan Association Wallkill, NY · $485M
- Piermont Bank New York, NY · $505M
- Rondout Savings Bank Kingston, NY · $512M
- Alden State Bank Alden, NY · $463M
- Cross County Savings Bank Middle Village, NY · $525M
Questions about Fulton Savings Bank
How big is Fulton Savings Bank?
Fulton Savings Bank, established in 1871, is headquartered in Fulton, NY. It reported $492M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Fulton Savings Bank's return on assets?
1.79% annualized in Q2 2026, against a 0.64% median for 36 NY banks with half to twice its assets, ahead of 92% of them.
What is Fulton Savings Bank's efficiency ratio?
56.18% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 74.44%, and lower is better.
Is Fulton Savings Bank growing its loans?
Net loans grew 5.5% over the year to Q2 2026, while deposits shrank 6.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.