FULTON SAVINGS BANK

FULTON, NY · Supervised by FDIC

Est. 1871FDIC #15,966RSSD: FDIC-15966

Satisfactory Same

Current rating · Exam: December 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.72%

Institution Profile

FDIC BankFind

Website

www.fultonsavings.com

Address

75 S 1st St, FULTON, NY

County

Oswego County

Established

January 1, 1871

Total Assets

$493M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Dec 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$493M

Total Deposits

$282M

Net Loans

$258M

Net Income

$879K

ROA

0.72%

Above avg for Small banks. Peer avg: 0.44%

ROE

2.54%

Risk-Based Capital

40.91%

Above avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.72%Peer avg: 0.44%▲ Above avg

Risk-Based Capital40.91%Peer avg: 23.03%▲ Above avg

Mortgage Denial Rate1.88%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$305M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	213	89.67%	1.88%
2022	351	91.74%	1.42%
2021	215	90.7%	1.86%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Dec 2023	Satisfactory	Intermediate Small Bank
Nov 2020	Satisfactory	Intermediate Small Bank
Jan 2018	Satisfactory	Intermediate Small Bank

8 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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