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Fulton Bank National Association

IDRSSD: 474919
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2024-Q2QoQ +1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #474919 2024-Q2 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +10
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +6

The five pillars

Liquidity

StableQoQ +10
74
Sub-score

Liquidity is stable: brokered 3.6%, loans/deposits 92.2%, cash 4.4% of assets.

Cash / Assets
4.39%
Loans / Deposits
92.22%
Brokered %
3.63%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.93%
No watch items at this period.

Capitalization

StableQoQ -7
74
Sub-score

Capital position is stable: Tier 1 RBC 11.78%, CET1 11.60%, leverage 9.40%.

Tier 1 RBC
11.78%
CET1
11.60%
Leverage
9.40%
No watch items at this period.

Asset Quality

StrongQoQ -2
95
Sub-score

Asset quality is strong: Adjusted NPL 0.74%, Texas Ratio 5.3%, NCO YTD 0.20%.

Adjusted NPL
0.74%
Govt-guarantees stripped
Texas Ratio
5.3%
NCO YTD
0.20%
30-89 PD
0.61%
Band 0.3% / 3.0%
90+ PD
0.13%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +6
100
Sub-score

Reserves are strong: ALLL 1.56% of loans, coverage 214.0%, true coverage 169.7%.

ALLL / Loans
1.56%
Coverage
214.0%
True Loss Coverage
169.7%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 14:31:52 UTC