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Fulton Savings Bank


ACH Number: 221370496

Fulton Savings Bank is an FDIC insured institution headquartered at 75 S 1st St, Fulton, NY 13069.
It was founded in 1871 and has approximately $0 billion in assets. Customers can open an account at one of its 7 branches.

Deposit Rates - July 24, 2026

SAVINGS RATES APY MIN
SAV
0.05% $100 Compare
CD RATES APY MIN
6 Mo CD
0.15% $500 Compare
12 Mo CD
0.25% $500 Compare
24 Mo CD
0.30% $500 Compare
36 Mo CD
0.40% $500 Compare
48 Mo CD
0.50% $500 Compare
MM RATES APY MIN
Money Market
0.05% $100 Compare
INT CHECKING RATES APY MIN
INTCK
0.10% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15966
Date Established 1871
Assets $ 488.41 million
Loans $ 257.94 million
Deposits $ 294.54 million
Capital $ 137.15 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 19.82 million
Interest-bearing balances $ 15.55 million
Total securities $ 114.87 million
Federal funds sold and reverse repurchase $ 0.88 million
Net loans and leases $ 257.94 million
Loan loss allowance $ 1.24 million
Trading account assets $ 33.91 million
Bank premises and fixed assets N.A.
Other real estate owned $ 0.10 million
Goodwill and other intangibles N.A.
All other assets $ 54.13 million
     Total Assets $ 351.26 million

LIABILITIES
Total deposits $ 294.54 million
      Interest-bearing deposits $ 206.96 million
      Deposits held in domestic offices $ 294.54 million
      % insured (estimated)" 94.89%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 10.27 millionn
      Total Liabilities $ 351.26 million
      Shareholders’ Equity $ 137.15 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 18.50 million
Total Interest Expense $ 2.40 million
Net interest income $ 16.10 million
Provision for loan and lease losses $ 0.26 million
Total non interest income $ 8.60 million
Total non interest expense $ 13.97 million
Pre-tax Net Operating Income N.A.

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