# FULTON SAVINGS BANK
FULTON, NY · FDIC certificate 15966 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $492.3M | |
| Deposits | $283.8M | |
| Loans and leases | $262.5M | |
| Total equity | $142.7M | |
| Loans / deposits | 91.96% (p75 of band) | 82.04% |
| Liquid assets / assets | 26.84% (p56 of band) | |
| Uninsured deposits / deposits | 4.88% (p1 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.56% (p79 of band) | |
| FHLB advances / assets | 10.56% | |
| Tier 1 leverage | 31.44% (p99 of band) | 10.81% |
| Unrealized securities loss / equity | -10.77% (p41 of band) | -8.10% |
| AOCI / equity | -0.09% (p67 of band) | |
| ROA (annualized) | 1.79% (p79 of band) | 1.28% |
| Net interest margin | 3.86% (p47 of band) | 3.91% |
| Efficiency ratio | 56.18% (p34 of band) | |
| Noncurrent loans | 0.70% (p63 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p46 of band) | |
| Reserve coverage of noncurrent | 78.81% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 3.49% (p8 of band) | |
| Auto loans | $389,000 (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -6.9% | |
| Employees | 69 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | loans exceed deposits |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | wholesale funding >15% |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | noncurrent p90 |  |
| 2013-12 | 1 |  | noncurrent p90 |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | noncurrent p90 |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | uninsured deposits leaving |  |
| 2017-12 | 2 |  | uninsured deposits leaving |
| 2018-03 | 3 | expense ratio p90 |  |
| 2018-06 | 1 |  | noncurrent p90, expense ratio p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | expense ratio p90 |  |
| 2019-03 | 2 | uninsured deposits leaving | expense ratio p90 |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | losing money | uninsured deposits leaving |
| 2020-06 | 4 | capital falling, expense ratio p90 |  |
| 2020-09 | 3 |  | losing money |
| 2020-12 | 1 |  | capital falling, expense ratio p90 |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 4 | capital falling, losing money, expense ratio p90 |  |
| 2022-09 | 4 | AOCI drag >20% of equity | capital falling |
| 2022-12 | 3 |  | losing money |
| 2023-03 | 1 |  | expense ratio p90, AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | uninsured deposits leaving |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | deposits shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | reserve under noncurrent |
| 2025-09 | 1 | reserve under noncurrent |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | deposits shrinking |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-23 [Fulton Savings Bank’s Eckel Recognized As 40 Under 40 Community Bank Leader - Oswego County Today](https://news.google.com/rss/articles/CBMirwFBVV95cUxQUkZSdDZDd1VoSXR2TW95ekpKQTRFQkgxUmNjZUxUSzhwY2VzZUpOTVE3M25JS25MekxDUWJoa2V0cUpKdE1tclRjVERfWGh6aGpHY0dLSkd6YzR3RTVmdnFNYlNNdm16dGdHVFVGNFk1YXhNMFpGdTBFeXl5MDFTWUdVVTB3QU1nekczckJRS2JNbVA2dDMwUUlueEtQTlo5eDF5bEZic0Z6a3g5NFJn?oc=5) · Oswego County Today
- 2026-06-09 [Your Stories Q&A: What’s being built next to Bear Creek Restaurant in Brewerton? - WSYR](https://news.google.com/rss/articles/CBMie0FVX3lxTE5pSXh5V2tDenpSTjJsS0tZWTBTVzRnMFhCNnVpYWNtOFdEZ201QmpGT2FxandSZnBWUUdCMXZ1NkRSRzhHNmo2MkFfTXNsWXNKVU42elpIakp6Sk1VTDdHUngyZTlGU2kwc0FTZXN2ekdCOGEwamxOOWRBRdIBgAFBVV95cUxQZmMwQldzVUNxemg5QkF1ZTFnMlgyc2Z0R0x4WUlIcmtmTExyWU9fVkZ4VlpZcjd0MzNiVkZjX3VLd1hQaFhUZTBuNmVWbW96NlZpaTBkQ1RUb3pKVURpYm1NQ2JpeHJmMFFjQ1laNVIwOE5weUVhWXBIU1FZVmk2dQ?oc=5) · WSYR
- 2026-04-10 [Fulton Savings Bank Announces Opening Of Loan Production Office In City Of Oswego - Oswego County Today](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNMW5kUkdZbGlPUk5DNGhUU1VjVDBEeVFSQ1BJOVhIWFppNEYxMUhxLXFxNndvVjY5aVJLLW95Tm9nTjE2WlVqTlFqTnJDSS1wSmp3MmhDaktBcnFiWTRfMUtBd29vaWoyUkxLNUQydm5EakU4SW9jRWZ5XzIwUnZCV1NTNHQxRjVUTEpzdmxzTkM5TWthSVpSMEJyRk9iX09LRG82VTZDNnFDMm5QcU9HSVRFeE1Oal9y?oc=5) · Oswego County Today
- 2021-08-05 [Fulton Savings Bank: Building Trust For 150 Years - oswegocountybusiness.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNcFlzdjF6UWQwQ1dPMjVJNExKWE9tbTlJcHcwWE1hY2prRlB2Rl82YTBGNDcwV1U0NjNQVGpYYlg5SmF5VTBaZjloNEhFc0xjeGdaR0xzZ2VGcC01RndkdE5Lbl9OVXdrTXhBMTFZTm1WMjJqOHd1THBlaEhUYkU2RGY1V0pOMEQ0cWc?oc=5) · oswegocountybusiness.com
- 2021-12-15 [Pamela Caraccioli Named Fulton Savings Bank President/CEO - oswegocountybusiness.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOM05md29DbHRpRGduVElIaHVPZ1NSS3R2Z3d5MnRoeDNya2dqaFVudWlKcnFjaDlfT2xHMHJSdGZNRzUyT1QyMFlud0lUaUxHZlZDOGl4UDhyeGVFYWhjSExYb0FJU1dVempVUWdfdERBVkloR1J4TV8zWElLc29ZT2pxMmdaQ0NUQjR3WVFzUzZpTGxObFE?oc=5) · oswegocountybusiness.com
- 2026-06-01 [Vendor Spaces Still Available For Fulton Community Market - Oswego County Today](https://news.google.com/rss/articles/CBMinwFBVV95cUxPUm56eFhLaWpDWjFnSVVDQ2V5cmsxZU4yVkZtc0U5SFZ0dW5qblotMnBlb2lvWnRpaE5tN251eXhyREtDZWsyZ2UwU3VvQ0lQRmxfR2JleHJpOWVocnlaWkZuZGxsbVR0VjFyalMwOVlXckZTZUVLQXNVNHJmUjBpcGhPQjlJbHA5V25jVzIyX1BNQUJrV21ibEZPSjZNckE?oc=5) · Oswego County Today
- 2021-11-22 [Mike Pollock Retires as Fulton Savings Bank President/CEO - oswegocountybusiness.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPSkJEY25nVGZvcVg1TWRIemE5RUNKY1BMMFhRYm5YZlRDbURxQzhMSFA4SFVMRUxCOVlIbmJKamFYYWk0Qi1PSTZvM1Q0cnR2VHBBN3NUQzJwOWZkMU5oVEdrSDVRYl8yWnNWYlZoLUZHeTdYRmwtM0FTaVZmWXlIMnoxMFU0RGVSTkQ0ZzZWaDdfcERGWVE?oc=5) · oswegocountybusiness.com
- 2026-06-08 [Oswego County Federal Credit Union Sponsors ‘TGIF Concert Series’ For 3rd Straight Year - Oswego County Today](https://news.google.com/rss/articles/CBMivgFBVV95cUxOTlludlhnby1wdmt1M3FHSUUxVGxyNWVHN1hwNVNiTXdUdElZNFBFZlJWT3NaTXJEYUxCd2xJMm5FOFJQc3I4bG5NN1RMTUlaaUZQb2x3cTFkVHhBbWRSZ3lUT2diVUQ1enBBZzBiTm94N1hJTS1UX0djb21xMTZRVzlnUmc3amVrM00zV25rQm96UEJNUTdMVklTc0N4YkhiSWN0WEN1UzZVMWRIenJVOEtzZVAzSlg1Qk0zWG9B?oc=5) · Oswego County Today

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15966 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "15966", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide