BlastPoint's Banking Scorecard
Fulton Savings Bank
Micro
Specialty: Mortgage
NY
FDIC cert 15966
Designations: ✓ Community bank ✓ Mutual
Fulton, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
Fulton Savings Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 32.21% above tier
- + Non-Interest Income / Assets 1.20% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$488.4M
+2.2% YoY
+2.3% QoQ
|
+$270.9M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$257.9M
+5.2% YoY
+3.0% QoQ
|
+$118.8M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$294.5M
+0.1% YoY
-0.2% QoQ
|
+$110.9M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
1.88%
-1.2% YoY
-0.0% QoQ
|
+0.79% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
3.87%
+1.2% YoY
+1.2% QoQ
|
+0.02% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
56.54%
-5.4% YoY
+2.1% QoQ
|
-11.18% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
0.81%
+48.4% YoY
-8.1% QoQ
|
+0.17% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
87.58%
+5.1% YoY
+3.3% QoQ
|
+13.05% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
29.73%
+1.9% YoY
-0.7% QoQ
|
+7.34% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.45%
+60.1% YoY
-3.0% QoQ
|
-0.01% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
41.06%
+0.8% YoY
+1.2% QoQ
|
+32.21% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
1.76%
-5.3% YoY
+33.9% QoQ
|
+1.20% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (2)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
41.06%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
1.76%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Tier 1 Capital Ratio
Current: 41.06% · Tier avg: 8.85%
99
99th pctile
Total Assets
Current: $488.4M · Tier avg: $217.5M
97
97th pctile
Non-Interest Income / Assets
Current: 1.76% · Tier avg: 0.56%
87
87th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.08%
86
86th pctile
Total Loans
Current: $257.9M · Tier avg: $139.2M
80
80th pctile
Total Deposits
Current: $294.5M · Tier avg: $183.7M
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.73% · Tier avg: 22.39%
77
77th pctile
Efficiency Ratio
Current: 56.54% · Tier avg: 67.73%
54
54th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.85%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
34
34th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.64%
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.58% · Tier avg: 74.53%
Top Weaknesses
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.58% · Tier avg: 74.53%
34
34th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.64%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
54
54th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.85%
77
77th pctile
Efficiency Ratio
Current: 56.54% · Tier avg: 67.73%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.73% · Tier avg: 22.39%
80
80th pctile
Total Deposits
Current: $294.5M · Tier avg: $183.7M
86
86th pctile
Total Loans
Current: $257.9M · Tier avg: $139.2M
87
87th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.08%
97
97th pctile
Non-Interest Income / Assets
Current: 1.76% · Tier avg: 0.56%
99
99th pctile
Total Assets
Current: $488.4M · Tier avg: $217.5M
99
99th pctile
Tier 1 Capital Ratio
Current: 41.06% · Tier avg: 8.85%