# FULTON BANK NATIONAL ASSN
LANCASTER, PA · FDIC certificate 7551 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $32.56B | |
| Deposits | $27.42B | |
| Loans and leases | $24.40B | |
| Total equity | $3.62B | |
| Loans / deposits | 87.72% (p56 of band) | 85.78% |
| Liquid assets / assets | 19.18% (p34 of band) | |
| Uninsured deposits / deposits | 40.46% (p58 of band) | 38.39% |
| Brokered deposits | 2.97% | |
| Wholesale funding | 5.71% (p41 of band) | |
| FHLB advances / assets | 0.61% | |
| Tier 1 leverage | 10.20% (p51 of band) | 10.17% |
| Unrealized securities loss / equity | -11.98% (p27 of band) | -7.43% |
| AOCI / equity | -0.39% (p44 of band) | |
| ROA (annualized) | 1.30% (p55 of band) | 1.24% |
| Net interest margin | 3.64% (p55 of band) | 3.57% |
| Efficiency ratio | 57.38% (p64 of band) | |
| Noncurrent loans | 0.71% (p56 of band) | 0.66% |
| Net charge-offs (annualized) | 0.23% (p80 of band) | |
| Reserve coverage of noncurrent | 203.08% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 24.40% (p39 of band) | |
| Auto loans | $127.0M (0.52% of loans; DQ 1.76%, NCO 0.00%) | |
| Loans to nondepository financials | $122.2M (3% of equity) (p38 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 3416 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2025-04-08 [Best Banks and Credit Unions in Pennsylvania 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMilAFBVV95cUxNb3FrcHROSHpxSl9DSnI5Nk1vNFpIOXlxV1liN3FuU05SZ245cmRERTRDQ0RYbGlUMldiclhKcUhIZEZSOF9BSkhuSTNsbVYyR09vS0ZqMWZZLWxIdTZXSzlFdmVhVzBtbnpfQ1JaRFNoWlFJZzA1YnpOekRYckxoY0hxdVJ3YXk5WVJId3RxRkZHOFRH?oc=5) · Newsweek Rankings
- 2025-04-08 [Best Banks and Credit Unions in Maryland 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxPZGxTVlFydmw0TnN5U0VFakd4bjVjM3lyMF9EMERPNkN3MkZVX1Rrc2RLY0pCUXhuNnRzMUEwT1lxLTNXck50aHlkNWlKUkI3dEFqRWdnRk85UVJGRGZTT0dRdDBoSTU4b2J6MEVOdDlRV1pEbjREbHh0SFFJZGRKQzM3UUd2RXF1WVNib2MtYw?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7551 (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/63.json (key "7551", 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