Bank · FDIC insured
Fulton Savings Bank
A $492.3M bank headquartered in Fulton, NY, with 6 branches in New York. Best rates: CDs 0.50% and savings 0.05% APY.
Fulton Savings Bank Carrot Score
60
Carrot Score
Higher than 1% of U.S. banks and credit unions
#31 of 32 in Syracuse, NY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Fulton Savings Bank
Founded in 1871, Fulton Savings Bank is headquartered in Fulton, New York.
The bank serves individuals and communities across Central New York and Northern New York.
- Headquarters
- 75 S 1st St, Fulton, NY 13069
- FDIC certificate
- 15966 ↗
Branches
6 branches in New York
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New York
6 branches
- Fulton Savings BankMain office75 S 1st St, Fulton, NY 13069Directions
- Village Green Branch7471 State Fair Blvd, Baldwinsville, NY 13027Directions
- Brewerton Branch5501 Bartel Rd, Brewerton, NY 13029Directions
- Central Square Branch3069 East Ave, Central Square, NY 13036Directions
- Constantia Branch45 Redfield Street, Constantia, NY 13044Directions
- Phoenix Branch219 County Route 57, Phoenix, NY 13135Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 31.44% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.70% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.79% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $92 | $81 | — |
- CapitalLeverage ratio31.44%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.70%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.79%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$92Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Fulton Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.