| Metric | Fulton Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +4.4% | -2.0 pts |
| Deposit growth (YoY) | -6.9% | +4.0% | -10.9 pts |
| Loan growth (YoY) | +5.5% | +5.6% | -0.0 pts |
| ROA | 1.79% | 1.24% | +0.6 pts |
| ROE | 6.3% | 11.9% | -5.6 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $492.3M | $283.8M | $261.0M | $142.7M | $4.4M | 1.79% | 3.86% | 0.37% |
| Q1 2026 | $493.0M | $282.2M | $257.7M | $138.1M | $879K | 0.72% | 3.77% | 0.39% |
| Q4 2025 | $489.5M | $294.5M | $257.9M | $138.4M | $9.0M | 1.86% | 3.87% | 0.45% |
| Q3 2025 | $477.6M | $295.2M | $250.3M | $133.4M | $6.7M | 1.88% | 3.83% | 0.46% |
| Q2 2025 | $480.9M | $304.9M | $247.3M | $127.9M | $3.6M | 1.51% | 3.81% | 0.26% |
| Q1 2025 | $481.4M | $307.8M | $246.4M | $125.5M | $1.1M | 0.88% | 3.76% | 0.27% |
| Q4 2024 | $478.0M | $294.2M | $245.2M | $124.5M | $8.9M | 1.90% | 3.83% | 0.28% |
| Q3 2024 | $473.8M | $286.5M | $241.8M | $123.7M | $7.2M | 2.06% | 3.79% | 0.32% |
Loan mix (Q2 2026): real estate $259.0M · commercial $827K · consumer $2.5M · securities $111.8M
| Ratio | Fulton Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 1.24% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 11.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.2% | 62.9% | 30th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Fulton Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Fulton Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Fulton Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Fulton Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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