Fulton Savings Bank
Fulton, NY
IDRSSD: 900502
Total Assets
$488.41M
Latest filing
Total Deposits
$294.54M
Latest filing
Net Interest Margin
4.05%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
221370496FULTON, NY
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Fulton Savings Bank
75 S 1st St
Fulton, NY 13069
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1871FDIC Certificate 10197
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Fulton Savings Bank (Main) | 75 S 1st St | Fulton, NY |
| VILLAGE GREEN BRANCH | 7471 State Fair Blvd | Baldwinsville, NY |
| PHOENIX BRANCH | 219 County Route 57 | Phoenix, NY |
| CENTRAL SQUARE BRANCH | 3069 East Ave | Central Square, NY |
| BREWERTON BRANCH | 5501 Bartel Rd | Brewerton, NY |
| CONSTANTIA BRANCH | 45 Redfield Street | Constantia, NY |
Showing 5 of 5
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Wallkill Valley Federal Savings and Loan Association
Wallkill, New York
→
Assets: $464.68MΔ -2.7%
Piermont Bank
New York, New York
→
Assets: $496.18MΔ +3.9%
Champlain National Bank
Elizabethtown, New York
→
Assets: $508.09MΔ +6.4%
Alden State Bank
Alden, New York
→
Assets: $446.65MΔ -6.5%
Rondout Savings Bank
Kingston, New York
→
Assets: $515.27MΔ +7.9%
Cross County Savings Bank
Middle Village, New York
→
Assets: $524.29MΔ +9.8%
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 | 63 |
| 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 | 01/30/2026 |
| CERT | 15966 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $488.41M |
| Total Deposits | $294.54M |
| Total Liabilities | $351.26M |
| Total Equity Capital | $137.15M |
| Net Income | $2.28M |
| Net Loans and Leases | $257.94M |
| Assets Per Employee ($Millions) | $6.88M |
| Bank Premises and Fixed Assets | $4.29M |
| Cash and Balances due from Depository Institutions | $19.82M |
| Deposits Held in Domestic Offices | $294.54M |
Key Performance Ratios
| Return on Assets (ROA) | 1.89% |
| Return on Equity (ROE) | 6.74% |
| Net Interest Margin | 4.05% |
| Efficiency Ratio | 59.8% |
| Tier 1 Risk-Based Capital Ratio | 41.059% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 28.081% |
| Earning Assets to total Assets | 86.64% |
Income and Expense
| Total Interest Income | $4.84M |
| Total Noninterest Income | $2.32M |
| Total Interest Expense | $623.00k |
| Total Noninterest Expense | $3.91M |
| Net Interest Income | $4.22M |
| Pre-tax Net Operating Income | $2.42M |
| Provision for Credit Losses | $209.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $100.00k |
| Other borrowed funds | $43.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $880.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $13.72M |
| Total Liabilities and Capital | $488.41M |
Securities
| Securities | $114.87M |
| Available-for-sale debt securities | $114.87M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $33.91M |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Fulton Savings Bank?
$488.41M as of the latest filing.
How much are Fulton Savings Bank's total deposits?
$294.54M in total deposits.
Where is Fulton Savings Bank located?
Fulton, NY.
What is the Net Interest Margin?
4.05%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1871.
What is the Return on Assets (ROA)?
1.89%.
How much are total loans and leases?
$257.94M (latest filing).
What is the total interest income (latest filing)?
$4.84M.