Fulton Savings Bank
Fulton, NY
IDRSSD: 900502
Total Assets
$477.60M
Latest filing
Total Deposits
$295.22M
Latest filing
Net Interest Margin
3.86%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1871 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 13069 |
| State and County Number | 36075 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Syracuse, NY |
Operational Info
| Number of Employees | 70 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/01/1943 |
| Primary Insurance Agency | DIF |
| Website | www.fultonsavings.com |
| Data Updated | 11/14/2025 |
| CERT | 15966 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $477.60M |
| Total Deposits | $295.22M |
| Total Liabilities | $344.23M |
| Total Equity Capital | $133.38M |
| Net Income | $3.13M |
| Net Loans and Leases | $250.32M |
| Assets Per Employee ($Millions) | $7.58M |
| Bank Premises and Fixed Assets | $4.14M |
| Cash and Balances due from Depository Institutions | $15.61M |
| Deposits Held in Domestic Offices | $295.22M |
Key Performance Ratios
| Return on Assets (ROA) | 2.61% |
| Return on Equity (ROE) | 9.57% |
| Net Interest Margin | 3.86% |
| Efficiency Ratio | 48.6% |
| Tier 1 Risk-Based Capital Ratio | 40.569% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.24% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 27.926% |
| Earning Assets to total Assets | 86.15% |
Income and Expense
| Total Interest Income | $4.56M |
| Total Noninterest Income | $2.95M |
| Total Interest Expense | $571.00k |
| Total Noninterest Expense | $3.37M |
| Net Interest Income | $3.98M |
| Pre-tax Net Operating Income | $3.86M |
| Provision for Credit Losses | $-292,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $35.17M |
| Federal Funds Sold & Reverse Repurchase Agreement | $340.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $13.84M |
| Total Liabilities and Capital | $477.60M |
Securities
| Securities | $116.34M |
| Available-for-sale debt securities | $116.34M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $33.46M |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Fulton Savings Bank?
$477.60M as of the latest filing.
How much are Fulton Savings Bank's total deposits?
$295.22M in total deposits.
Where is Fulton Savings Bank located?
Fulton, NY.
What is the Net Interest Margin?
3.86%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1871.
What is the Return on Assets (ROA)?
2.61%.
How much are total loans and leases?
$250.32M (latest filing).
What is the total interest income (latest filing)?
$4.56M.