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
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.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 60 |
| Q4 2024 | 59 |
| Q1 2025 | 62 |
| Q2 2025 | 62 |
| Q3 2025 | 63 |
| Q4 2025 | 64 |
| Q1 2026 | 64 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.59% |
| Q3 2024 | 9.58% |
| Q4 2024 | 9.57% |
| Q1 2025 | 9.67% |
| Q2 2025 | 9.80% |
| Q3 2025 | 9.93% |
| Q4 2025 | 10.06% |
| Q1 2026 | 10.17% |
| Q2 2026 | 10.20% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.73% |
| Q3 2024 | 0.84% |
| Q4 2024 | 0.91% |
| Q1 2025 | 0.82% |
| Q2 2025 | 0.89% |
| Q3 2025 | 0.83% |
| Q4 2025 | 0.76% |
| Q1 2026 | 0.72% |
| Q2 2026 | 0.71% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.16% |
| Q3 2024 | 1.07% |
| Q4 2024 | 1.04% |
| Q1 2025 | 1.23% |
| Q2 2025 | 1.29% |
| Q3 2025 | 1.31% |
| Q4 2025 | 1.33% |
| Q1 2026 | 1.25% |
| Q2 2026 | 1.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $32.6B | 10.20% | 0.71% | 1.30% | 87.7% |
| Q1 2026 | 64 | $32.1B | 10.17% | 0.72% | 1.25% | 88.4% |
| Q4 2025 | 64 | $32.0B | 10.06% | 0.76% | 1.33% | 88.6% |
| Q3 2025 | 63 | $31.8B | 9.93% | 0.83% | 1.31% | 89.1% |
| Q2 2025 | 62 | $31.9B | 9.80% | 0.89% | 1.29% | 89.7% |
| Q1 2025 | 62 | $32.0B | 9.67% | 0.82% | 1.23% | 88.7% |
| Q4 2024 | 59 | $31.9B | 9.57% | 0.91% | 1.04% | 90.3% |
| Q3 2024 | 60 | $32.1B | 9.58% | 0.84% | 1.07% | 90.5% |
| Q2 2024 | 61 | $31.6B | 9.59% | 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).
Similar-size banks in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| BNY Mellon, National AssociationBank Pittsburgh, PA | 57 out of 100, Moderate | $30.6B | 6.5% | 0.06% | vs |
| Customers BankBank Malvern, PA | 65 out of 100, Moderate | $26.5B | 9.3% | 0.33% | vs |
| TriState Capital BankBank Pittsburgh, PA | 56 out of 100, Moderate | $24.3B | 7.4% | 0.30% | vs |
| Northwest BankBank Warren, PA | 66 out of 100, Moderate | $17.2B | 9.8% | 0.69% | vs |
| First National Bank of PennsylvaniaBank Greenville, PA | 64 out of 100, Moderate | $50.8B | 9.4% | 0.38% | vs |
| Dollar Bank, Federal Savings BankBank Pittsburgh, PA | 62 out of 100, Moderate | $12.7B | 11.0% | 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%).
229 locations
Branches
Fulton Bank, National Association lists 220 offices in 169 cities across 5 states. Most locations:
- Philadelphia, PA (12)
- Lancaster, PA (8)
- Baltimore, MD (5)
- Easton, PA (4)
- Harrisburg, PA (4)
- York, PA (4)
- Hagerstown, MD (3)
- Reading, PA (3)
- Richmond, VA (3)
- Virginia Beach, VA (3)
- Allentown, PA (2)
- Bethlehem, PA (2)
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.
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
- Website
- www.fultonbank.com
- 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
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lancaster Red Rose Credit UnionCredit union Leola, PA | 92 out of 100, Very strong | $54.8M | 14.9% | 0.61% | vs |
| Glatco Credit UnionCredit union Spring Grove, PA | 90 out of 100, Very strong | $54.1M | 16.2% | 0.79% | vs |
| Members 1st Federal Credit UnionCredit union Enola, PA | 88 out of 100, Very strong | $8.7B | 15.1% | 0.73% | vs |
| First Capital Federal Credit UnionCredit union York, PA | 81 out of 100, Strong | $368.5M | 11.9% | 0.20% | vs |
| Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA | 80 out of 100, Strong | $9.7B | 11.8% | 0.75% | vs |
| ACNB BankBank Gettysburg, PA | 77 out of 100, Strong | $3.3B | 11.2% | 0.40% | vs |