Headquartered in Fulton, New York, Fulton Savings Bank is a si with $492.3M in total assets and $283.8M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1871.
Fulton Savings Bank has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 92% of its 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 8th. Capital cushion contributes the most (100/100, 31.44%); funding & liquidity contributes the least (68/100, 92% loans-to-deposits, 5% 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
The score has been essentially flat from Q2 2025 to Q2 2026 (88 → 88).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 91 |
| Q3 2024 | 91 |
| Q4 2024 | 91 |
| Q1 2025 | 84 |
| Q2 2025 | 88 |
| Q3 2025 | 88 |
| Q4 2025 | 88 |
| Q1 2026 | 79 |
| Q2 2026 | 88 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 29.52% |
| Q3 2024 | 30.31% |
| Q4 2024 | 29.66% |
| Q1 2025 | 29.80% |
| Q2 2025 | 30.45% |
| Q3 2025 | 31.18% |
| Q4 2025 | 31.36% |
| Q1 2026 | 30.85% |
| Q2 2026 | 31.44% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.65% |
| Q3 2024 | 0.62% |
| Q4 2024 | 0.54% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.50% |
| Q3 2025 | 0.88% |
| Q4 2025 | 0.80% |
| Q1 2026 | 0.68% |
| Q2 2026 | 0.70% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.93% |
| Q3 2024 | 2.06% |
| Q4 2024 | 1.90% |
| Q1 2025 | 0.88% |
| Q2 2025 | 1.51% |
| Q3 2025 | 1.88% |
| Q4 2025 | 1.86% |
| Q1 2026 | 0.72% |
| Q2 2026 | 1.79% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $492.3M | 31.44% | 0.70% | 1.79% | 92.0% |
| Q1 2026 | 79 | $493.0M | 30.85% | 0.68% | 0.72% | 91.3% |
| Q4 2025 | 88 | $489.5M | 31.36% | 0.80% | 1.86% | 87.6% |
| Q3 2025 | 88 | $477.6M | 31.18% | 0.88% | 1.88% | 84.8% |
| Q2 2025 | 88 | $480.9M | 30.45% | 0.50% | 1.51% | 81.1% |
| Q1 2025 | 84 | $481.4M | 29.80% | 0.52% | 0.88% | 80.0% |
| Q4 2024 | 91 | $478.0M | 29.66% | 0.54% | 1.90% | 83.3% |
| Q3 2024 | 91 | $473.8M | 30.31% | 0.62% | 2.06% | 84.4% |
| Q2 2024 | 91 | $463.8M | 29.52% | 0.65% | 1.93% | 80.6% |
2,650 peers · $100 million – $1 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 New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Champlain National BankBank Elizabethtown, NY | 71 out of 100, Strong | $497.1M | 10.9% | 0.25% | vs |
| Wallkill Valley Federal Savings and Loan AssociationBank Wallkill, NY | 68 out of 100, Moderate | $485.0M | 9.2% | 0.00% | vs |
| Piermont BankBank New York, NY | 62 out of 100, Moderate | $505.1M | 12.7% | 0.00% | vs |
| Rondout Savings BankBank Kingston, NY | 64 out of 100, Moderate | $512.0M | 9.8% | 0.19% | vs |
| Alden State BankBank Alden, NY | 66 out of 100, Moderate | $463.1M | 15.2% | 2.63% | vs |
| Cross County Savings BankBank Middle Village, NY | 56 out of 100, Moderate | $525.4M | 12.8% | 2.21% | vs |
Deposit insurance
Is my money safe at Fulton Savings Bank?
Yes. Fulton Savings Bank is an FDIC-insured institution (FDIC certificate #15966). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 4.9% of deposits ($13.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 31.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 41.71% (benchmark: 10%).
6 locations
Branches
Fulton Savings Bank lists 6 offices in 6 cities. Most locations:
- Baldwinsville, NY (1)
- Brewerton, NY (1)
- Central Square, NY (1)
- Constantia, NY (1)
- Fulton, NY (1)
- Phoenix, NY (1)
Identity & history
Profile
- Legal name
- Fulton Savings Bank
- Type
- SI
- FDIC certificate #
- 15966
- RSSD ID
- 900502
- Primary regulator
- FDIC
- Established
- January 1, 1871
- Headquarters
- 75 S 1st St, Fulton, NY 13069
- Website
- www.fultonsavings.com
- Employees
- 69
Quick answers
Fulton Savings Bank: common questions
Is Fulton Savings Bank FDIC insured?
Yes. Fulton Savings Bank is an FDIC-insured institution (FDIC certificate #15966). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Fulton Savings Bank's TellerScore?
88 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Fulton Savings Bank ever failed?
There is no failure record for FDIC certificate #15966 in the FDIC failed bank list.
How many branches does Fulton Savings Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fulton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Compass Federal Credit UnionCredit union Oswego, NY | 89 out of 100, Very strong | $101.5M | 15.3% | 0.46% | vs |
| Syracuse Fire Department Employees Federal Credit UnionCredit union Syracuse, NY | 89 out of 100, Very strong | $147.4M | 15.2% | 0.95% | vs |
| Crouse Hinds Employees Federal Credit UnionCredit union Syracuse, NY | 84 out of 100, Strong | $6.9M | 12.1% | 0.13% | vs |
| Money Federal Credit UnionCredit union Syracuse, NY | 81 out of 100, Strong | $51.3M | 13.8% | 0.29% | vs |
| Beginnings Credit UnionCredit union Ithaca, NY | 77 out of 100, Strong | $1.5B | 14.0% | 0.69% | vs |
| Geddes Federal Savings and Loan AssociationBank Syracuse, NY | 74 out of 100, Strong | $685.7M | 14.7% | 0.44% | vs |