Fulton Bank, National Association: how it compares with its peers
Against 76 U.S. banks with half to twice its assets, Fulton Bank, National Association's strongest measure in Q2 2026 is return on assets (1.30% vs. a 1.24% peer median). Its weakest relative measure is assets per employee ($9.5M vs. $12.2M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.30% | 1.24% | Middle third Ahead of 53% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.64% | 3.63% | Middle third Ahead of 51% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.38% | 55.20% | Middle third Ahead of 37% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.5M | $12.2M | Bottom third Ahead of 30% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.72% | 85.72% | Context |
What it means for lending operations
Its efficiency ratio of 57.38% is above the 55.20% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- TD Bank USA, National Association Wilmington, DE · $32.13B
- Glacier Bank Kalispell, MT · $31.58B
- Texas Capital Bank Dallas, TX · $33.62B
- United Bank Fairfax, VA · $33.64B
- Eastern Bank Boston, MA · $31.13B
- First National Bank of Omaha Omaha, NE · $34.20B
Questions about Fulton Bank, National Association
How big is Fulton Bank, National Association?
Fulton Bank, National Association, established in 1882, is headquartered in Lancaster, PA. It reported $32.56B in total assets in its Q2 2026 FDIC call report and operates 229 offices.
What is Fulton Bank, National Association's return on assets?
1.30% annualized in Q2 2026, against a 1.24% median for 76 U.S. banks with half to twice its assets, ahead of 53% of them.
What is Fulton Bank, National Association's efficiency ratio?
57.38% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 55.20%, and lower is better.
Is Fulton Bank, National Association growing its loans?
Net loans grew 1.7% over the year to Q2 2026, while deposits grew 3.9%.
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 U.S. 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 Pennsylvania bank ranked.