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Fulton Bank, National Association
Lancaster, PA·FDIC Cert #7551·Charter: OCC·Est. 18820101.0·HC: FULTON FINANCIAL CORP
Total Assets
$32.0B
Q4 2025
Return on Assets
1.33%
+0.02%Peer avg: 1.11%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.05%
Peer avg: 52.9%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.33%+0.02
ROE
12.47%+0.08
Efficiency
56.05%+0.74
Equity/Assets
0.00%+0.00
NPL Ratio
0.77%-0.07
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
88.63%-0.49
Charge-offs
0.21%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.2 | 1.1 | 1.0 | 1.2 | 1.3 | 1.3 | 1.3 |
| ROE | 9.5 | 11.4 | 10.4 | 10.1 | 11.8 | 12.3 | 12.4 | 12.5 |
| Efficiency | 64.7 | 59.3 | 61.8 | 61.8 | 55.7 | 55.5 | 55.3 | 56.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.7 | 0.8 | 0.9 | 0.8 | 0.9 | 0.8 | 0.8 |
| Charge-offs | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 96.4 | 92.2 | 90.5 | 90.3 | 88.7 | 89.7 | 89.1 | 88.6 |
Balance Sheet
Total Assets$32.0B
Total Deposits$26.8B
Total Loans$23.8B
Total Equity$3.5B
Profitability
ROA1.33%
ROE12.47%
Efficiency Ratio56.05%
Net Income$424.9M
Risk & Asset Quality
NPL Ratio0.77%
Charge-off Rate0.21%
Loan/Deposit88.63%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans