TellerScore

Fulton Bank, National Association is a national bank headquartered in Lancaster, Pennsylvania, in business for about 144 years. At the end of Q2 2026 it reported $32.6B in total assets and $27.4B in deposits, with 229 offices across 5 states.

Based on its Q2 2026 filing, Fulton Bank, National Association scores 65/100, which we describe as moderate. That is higher than 54% of 132 banks with $10 billion – $100 billion. Among 110 banks headquartered in Pennsylvania, it ranks 67th. Its strongest component is problem-loan coverage (91/100; 4.4%), and its lowest is funding & liquidity (44/100; 88% loans-to-deposits, 40% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.20%
Loan quality76/100
Noncurrent loans ÷ total loans: 0.71%
Earnings72/100
Return on assets (annualized): 1.30%
Funding & liquidity44/100
Loans ÷ deposits and uninsured-deposit share: 87.7% · 40.5% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.42%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (62 → 65), mostly because the loan quality component improved by 6 points.

TellerScore
596265Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202460
Q4 202459
Q1 202562
Q2 202562
Q3 202563
Q4 202564
Q1 202664
Q2 202665
Tier 1 leverage ratio
5.00%7.60%10.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.59%
Q3 20249.58%
Q4 20249.57%
Q1 20259.67%
Q2 20259.80%
Q3 20259.93%
Q4 202510.06%
Q1 202610.17%
Q2 202610.20%
Noncurrent loans
0.71%0.81%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.73%
Q3 20240.84%
Q4 20240.91%
Q1 20250.82%
Q2 20250.89%
Q3 20250.83%
Q4 20250.76%
Q1 20260.72%
Q2 20260.71%
Return on assets
1.04%1.19%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.16%
Q3 20241.07%
Q4 20241.04%
Q1 20251.23%
Q2 20251.29%
Q3 20251.31%
Q4 20251.33%
Q1 20261.25%
Q2 20261.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$32.6B10.20%0.71%1.30%87.7%
Q1 202664$32.1B10.17%0.72%1.25%88.4%
Q4 202564$32.0B10.06%0.76%1.33%88.6%
Q3 202563$31.8B9.93%0.83%1.31%89.1%
Q2 202562$31.9B9.80%0.89%1.29%89.7%
Q1 202562$32.0B9.67%0.82%1.23%88.7%
Q4 202459$31.9B9.57%0.91%1.04%90.3%
Q3 202460$32.1B9.58%0.84%1.07%90.5%
Q2 202461$31.6B9.59%0.73%1.16%92.2%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.20%
51st
Total risk-based capital14.46%
58th
Problem loans0.71%
45th
Net charge-offs0.30%
22nd
Return on assets1.30%
54th
Net interest margin3.64%
54th
Efficiency ratio57.4%
36th
Loans to deposits87.7%
44th
Uninsured deposits40.5%
42nd
Loan-loss reserves1.45%
85th
Texas ratio4.4%
38th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
BNY Mellon, National AssociationBank Pittsburgh, PA57 out of 100, Moderate$30.6B6.5%0.06%vs
Customers BankBank Malvern, PA65 out of 100, Moderate$26.5B9.3%0.33%vs
TriState Capital BankBank Pittsburgh, PA56 out of 100, Moderate$24.3B7.4%0.30%vs
Northwest BankBank Warren, PA66 out of 100, Moderate$17.2B9.8%0.69%vs
First National Bank of PennsylvaniaBank Greenville, PA64 out of 100, Moderate$50.8B9.4%0.38%vs
Dollar Bank, Federal Savings BankBank Pittsburgh, PA62 out of 100, Moderate$12.7B11.0%0.72%vs

Deposit insurance

Is my money safe at Fulton Bank, National Association?

Yes. Fulton Bank, National Association is an FDIC-insured institution (FDIC certificate #7551). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.5% of deposits ($11.1B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.20%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.46% (benchmark: 10%).

Check how much of your own balance is covered

229 locations

Branches

Fulton Bank, National Association lists 220 offices in 169 cities across 5 states. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 245 consumer complaints about FULTON FINANCIAL CORPORATION to the company (119 in the last 12 months). 99.6% received a timely response. That is 8.9 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

HMDA 2025

Mortgage lending

In 2025, Fulton Bank, National Association reported 9,542 home-loan applications under HMDA (LEI DZC62HF6UIZYJ08V1J90): 6,400 originated ($2,249,570,000 total), 1,945 denied, and 1,086 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Fulton Bank, National Association
Former names
The Fulton National Bank of Lancaster; Fulton Bank
Type
National bank
FDIC certificate #
7551
RSSD ID
474919
Primary regulator
OCC
Holding company
Fulton Financial Corp
Established
January 1, 1882
Headquarters
1 Penn Sq, Lancaster, PA 17602
Employees
3,416

Quick answers

Fulton Bank, National Association: common questions

Is Fulton Bank, National Association FDIC insured?

Yes. Fulton Bank, National Association is an FDIC-insured institution (FDIC certificate #7551). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Fulton Bank, National Association's TellerScore?

65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Fulton Bank, National Association ever failed?

There is no failure record for FDIC certificate #7551 in the FDIC failed bank list.

How many branches does Fulton Bank, National Association have?

229 offices as of the latest FDIC data, in 5 states.

Nearby

Highest-scoring banks and credit unions with branches near Lancaster

InstitutionScoreAssetsCapitalProblem loansCompare
Lancaster Red Rose Credit UnionCredit union Leola, PA92 out of 100, Very strong$54.8M14.9%0.61%vs
Glatco Credit UnionCredit union Spring Grove, PA90 out of 100, Very strong$54.1M16.2%0.79%vs
Members 1st Federal Credit UnionCredit union Enola, PA88 out of 100, Very strong$8.7B15.1%0.73%vs
First Capital Federal Credit UnionCredit union York, PA81 out of 100, Strong$368.5M11.9%0.20%vs
Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA80 out of 100, Strong$9.7B11.8%0.75%vs
ACNB BankBank Gettysburg, PA77 out of 100, Strong$3.3B11.2%0.40%vs