Fulton Savings Bank

Fulton, New YorkFDIC Cert #15966

STATEEstablished 18716 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$0
Investor CRE	$15.4M
Multifamily	$2.04M
Construction	$4.84M
1–4 family	$233M
C&I	$1.02M
Agriculture	$0
Other	$2.48M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$259M

+4.8%y/y

Percentile by value27th percentileby value

FDICLNLSGR

Net loans

$258M

+4.6%y/y

Percentile by value27th percentileby value

FDICLNLSNET

Loans YoY

+4.57%

−5.0%y/y

Percentile by value43rd percentileby value

FDICLNLSNET

L/D

91.3%

+14.1%y/y

Percentile by value75th percentileby value

FDICLNLSNET + DEP

Loans/assets

52.3%

+2.1%y/y

Percentile by value14th percentileby value

FDICLNLSNET + ASSET

RE loans %

103.45%

+0.1%y/y

Percentile by value97th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

15%

+2.2%y/y

Percentile by value3rd percentileby value

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

+24.6%y/y

Percentile by value7th percentileby value

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

8,174points

−0.5%y/y

Peer standing1st percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

0.00%

Percentile by value0th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

5.94%

+1.1%y/y

Percentile by value20th percentileby value

FDICLNRENROT + LNLSGR

C&I %

0.39%

−5.4%y/y

Percentile by value3rd percentileby value

FDICLNCI + LNLSGR