# FULTON BANK OF NEW JERSEY
MOUNT LAUREL, NJ · FDIC certificate 27614 · asset band $1-10B · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $4.24B | |
| Deposits | $3.61B | |
| Loans and leases | $2.93B | |
| Total equity | $532.4M | |
| Loans / deposits | 80.05% (p29 of band) | 89.50% |
| Liquid assets / assets | 24.08% (p64 of band) | |
| Uninsured deposits / deposits | 29.46% (p57 of band) | 26.63% |
| Brokered deposits | 0.08% | |
| Wholesale funding | 1.77% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.28% (p23 of band) | 10.25% |
| Unrealized securities loss / equity | 0.71% (p89 of band) | -0.59% |
| AOCI / equity | 1.11% (p60 of band) | |
| ROA (annualized) | 1.09% (p44 of band) | 1.16% |
| Net interest margin | 3.59% (p48 of band) | 3.61% |
| Efficiency ratio | 62.01% (p49 of band) | |
| Noncurrent loans | 0.94% (p75 of band) | 0.48% |
| Net charge-offs (annualized) | 0.06% (p71 of band) | |
| Reserve coverage of noncurrent | 152.63% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 24.36% (p29 of band) | |
| Auto loans | $58.0M (1.98% of loans; DQ 0.37%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 418 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 | losing money |
| 2011-09 | 3 | losing money |  |
| 2011-12 | 2 |  | charge-offs p90 |
| 2012-03 | 2 | charge-offs p90 | losing money |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | charge-offs p90 |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 | noncurrent p90 | capital falling |
| 2015-09 | 0 |  | noncurrent p90 |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |

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

- 2026-07-14 [Fulton Financial Corp. completes merger with NJ bank - Lehigh Valley Business](https://news.google.com/rss/articles/CBMid0FVX3lxTFAzLTNQVTMxNFRPNnR3cXJFeXlaZ1FmSVJ5QzRkNVlyOXBFSFBQUzg2N2RRSmg3bEc0OG16eFVJZWUwSDBzTHctYVRXZDNoTXFSN05YazV0QndmT0J1Q2QtMDhTODVMUU1hckhZZGZtTTkzaVRXTHdZ?oc=5) · Lehigh Valley Business
- 2011-08-04 [The Bank will be getting a new name under Fulton Financial merger of its two New Jersey bank groups - NJ.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE1zT0gxbFFGMzBsVk15eFhMZVdMYy1XMTg4NGRPb0ROanc0Um9PVFUxLUxLaHJvU2NZOWtKazBFVTB4dVJ0eW1EYm10cjdkQmoyYVRJdDRteVZqaTlBQnFtNXQwZ2txSkx5dnZXRERtVHJOeThMZm0w?oc=5) · NJ.com
- 2014-06-27 [Fulton Financial Corp. wouldn't let NJ employee avoid rush hour, lawsuit says - LancasterOnline](https://news.google.com/rss/articles/CBMihwJBVV95cUxQWlBmcGJrcXBIYmE0TE9GUk14aHJGQkFnaFRlSkhGNG1RV296R1NyWk1xTk5lNFdKU2MxTzlzWjBnNDhOMS1kNlBQYXRtYzQtaWdBcVhXLWN6b2NodWZSSjdUSUxqVDE4TDVGWEhxemJqd3F6Tmx2bHVwZnNCTk1fdjU0bHZOSWJjZ0NGUnVEbDJIdW9DN0xYN044cG5jeF9keVh3eWhsbExVWFYxQmVkZGpSODVJdktQUFFRcUVpYlBIMGZpYzVnX0dIZ0MybVFrZGpxRWpYUW1hV3dJWDlGdnVHYXlrU2JPLUI2Tld5aXJSUEU5dk9sQ2c2c2M3VlBjbmNiQTN1UQ?oc=5) · LancasterOnline
- 2016-06-22 [NJ Bankers installs new officers - Central New Jersey News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOaVZoeVR0SFZKbXJrUHVJMkFKNE11d3VHb1JaOTVLTE1ESGczLXZKdGRlOVVNRHo3WUthb2I0aDFMRVQ5OEExR0hEbTdYamJGVXkxem9SMjBVamJLblc3eHNMSVFJdHVyT0dQdV9kblRJUkwyOXZoaURsbnZRaFJacnEzUXUtdjM2R3QyQUl2OUtnSktsQ0gxMUQ3XzNMNnFoVjI4QjdsS2V2dw?oc=5) · Central New Jersey News
- 2013-03-22 [Welcome To Madison - New Jersey Hills](https://news.google.com/rss/articles/CBMitwFBVV95cUxNOTNlWFZmcWdmVzVWQ0s2bDF6aHUtOEs5OTlCek92VV85X0JGaGxWZGJfUnJVS2VydzJFc3lfa1oyQXU4Q1cyVEZhbzBPRDhTQkR5RXVpV1F3QjNYX2Z2ZGtzLWpHdzlPelRRTm0zUktOaTJKaDFpcFpzYkxTU3BYVllzczFNRnFad2RKdFRJMzFHVUItS3RQbGVYcndIZHA0QnI2VGdzZWVDNWVoN0lEZ1RVVGJVbFE?oc=5) · New Jersey Hills
- 2012-10-04 [Police Collar Alleged Haddonfield, Woodbury Bank Robber - Patch](https://news.google.com/rss/articles/CBMimgFBVV95cUxPUm1ja1ViUmZyaktGMUNyQ09ZTVBXY09rakVSSWV6NEsxN011RGZpSl9BYlY5S2pfMUt0QjlXck1PLWEzd1pTWnZEYVdIb2x0RTk1SkcxbzlIZ1FsT0EyMTZVS2l6R001aTR2cW5aaDlwb1ZMTk5GMHVxemxwOGNJTmtlYWg4bGZyWjJocml0alRCbEdZUmhaRWp3?oc=5) · Patch
- 2017-01-06 [Makin Money: Central Jersey business award winners - Central New Jersey News](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOWTg5V1JNY1BqNHh5R1pRV3hydXd2STFXNjhuN2oyMEwzWENUdG0tUlYxZ0lsbk9HTV82QThTUVpFc1lNTzNwODI2MFdSbXpCRGZrV0JmYVdXZ3dhUW5WLXlUaEYzLVdFaGNvTnpEY3JPWkoweHhscU5FRG9ERDc3YlVYZHpETExlQzk1TTVHYUhrd0hoWDhmRmhVeVkyZVZkNFFKaFh6Y2g0Xy1kSHVzMk9xY3Y0NGJJWUpvZ2NFRmM?oc=5) · Central New Jersey News
- 2016-01-13 [Mullica Hill man charged in Carneys Point bank heist - NJ.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPbXU0d01YM3FRd3FYZ0oxNnZSc2pZbFF0QTQwSnhwU0psSHl3N0tmOGNCajNqWnFuMG9iX2luUEdrQ1JyS0piZnBrVkJ3RFFwSTBnenZMUW1Xa082UXA5Y0dzb0pDSTJTazVtRkt3dk9QV2RMaHJmNW5KcF9LTTFtbm4tdjdkRnZNWmVHenhUN1BPdw?oc=5) · NJ.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27614 (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 "27614", 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