Fulton Savings Bank

Headquarters: Fulton, New York
Charter: Bank
Assets: $492.3M
Fed district: New York
Regulator: FDIC

Explore Hamilton View published fees

Compared with New York

6 of 15

compared fees are above the median.

4 below, 5 about the same.

About the same: within 1% of the median.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
88th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the New York median
of 15 compared; 4 below, 5 about the same
See the fees
Fee schedule read Nov 1, 2026

How these figures are measured

Call-report figures are for Fulton Savings Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out.	FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ)	Q2 2026 Quarter ended Jun 30, 2026	Not recorded
Fees above the New York median	Published fees above the New York median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Fulton Savings Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Fulton Savings Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service charges were 5.0% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (88th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $389K in Q2 2026, 8.1% above the same quarter a year earlier ($360K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 15 compared published fees sit above the New York median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.

Fees against the market

Comparison with New York medians for fees published by banks and credit unions.

Monthly Maintenance
Fulton Savings Bank: $3
Fulton Savings Bank: $3
New York median: $565 publishNew York district median: $597 publishU.S. median: $71,902 publish
Overdraft (OD)
Fulton Savings Bank: $32
Fulton Savings Bank: $32
New York median: $30101 publishNew York district median: $30145 publishU.S. median: $302,605 publish
NSF / Returned Item
Fulton Savings Bank: $32
Fulton Savings Bank: $32
New York median: $30140 publishNew York district median: $30194 publishU.S. median: $302,857 publish

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 3.0% from Q3 2025 to Q2 2026, to $389K. Its share of revenue, 5.0%, is above the 2.1% median for banks with $300M to $1B in assets.

Service-charge income, Q2 2026

$389K

$401KQ3 2025

$406KQ4 2025

$362KQ1 2026

$389KQ2 2026

Against the median (NY for fees)

Share of revenue5.0% / 2.1%
Overdraft$32 / $30
Non‑network ATM$1.50 / $1.50
Monthly maintenance$3 / $5

Fulton Savings BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.

How much of the higher share comes from how often fees are charged, rather than what they cost?
Do waivers and balance requirements change what most customers actually pay?
Do business accounts and account analysis fees make up more of service charges than at peers?

See a free sample report

Among its peers

Fulton Savings Bank · $492M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$480M to $505M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Fulton Savings Bank(this institution)	Fulton, NY	$492M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Ambler Savings Bank	Ambler, PA	$502M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Arundel Federal Savings Bank	Glen Burnie, MD	$492M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Century Bank and Trust	Milledgeville, GA	$491M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Bank & Trust Company	Plaquemine, LA	$481M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Colonial Savings, F.A.	Fort Worth, TX	$502M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dean Co-operative Bank	Franklin, MA	$494M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Eclipse Bank, Inc.	Louisville, KY	$486M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
EvaBank	Eva, AL	$491M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First State Bank and Trust	Bayport, MN	$499M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
FirstBank of Nebraska	Wahoo, NE	$498M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
FNB Community Bank	Midwest City, OK	$480M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Grinnell State Bank	Grinnell, IA	$499M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Grundy Bank	Morris, IL	$505M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Hoyne Savings Bank	Chicago, IL	$480M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Iowa State Bank	Des Moines, IA	$481M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ohio State Bank	Bexley, OH	$484M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
River City Bank, Inc.	Louisville, KY	$495M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Shamrock Bank, N.A.	Coalgate, OK	$501M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Southwest Capital Bank	Albuquerque, NM	$483M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sterling Federal Bank, F.S.B.	Sterling, IL	$482M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank, National Association	McAlester, OK	$488M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Citizens Bank of Clovis	Clovis, NM	$493M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Napoleon State Bank	Napoleon, IN	$499M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
UNICO Bank	Mineral Point, MO	$503M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Wallkill Valley Federal Savings and Loan Association	Wallkill, NY	$485M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $4.50 (60%) below the median of similar-sized banks.

Its published price is $3, against a peer median of $7.50 among 17 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 19, 2026.

Monthly maintenance fee in dollars, one mark per institution

Fulton Savings BankPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 19, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Fulton Savings Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $389K
vs prior quarter: +$27K+7.5%; from Q1 2026
vs a year earlier: +$29K+8.1%; from Q2 2025
vs start of range: +$13K+3.5%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Fulton Savings Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$389K	+$27K	+7.5%
Q1 2026	$362K	−$44K	−10.8%
Q4 2025	$406K	+$5K	+1.2%
Q3 2025	$401K	+$41K	+11.4%
Q2 2025	$360K	$0	0.0%
Q1 2025	$360K	−$16K	−4.3%
Q4 2024	$376K	$0	0.0%
Q3 2024	$376K	+$18K	+5.0%

Service-charge share against its size cohort

Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Fulton Savings Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Fulton Savings Bank: 5.0%
Percentile: 88th
25th percentile: 1.2%
Median: 2.1%
75th percentile: 3.4%

Fulton Savings Bank 5.0%Median 2.1%Middle half 1.2% to 3.4%Peers at each share24 above 10%, counted in the last bar

Find a peer (1,412)

The 15 closest to Fulton Savings Bank by share.

Details

Source: FDIC BankFind Suite (call report data)
Entity: Each bank, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026)
Measure: Service charges on deposit accounts divided by revenue (net interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: ISERCHGQ / (NIMQ + NONIIQ)

Published fee schedule

Amounts from Fulton Savings Bank’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Monthly service fee$3
Below the U.S. middle 50% ($5 to $10 nationally)
per month
Premature Account Closing Fee (Accounts opened less than 180 days)$25
Inside the U.S. middle 50% ($10 to $25 nationally)
Inactive Account Fee (After 60 days of inactivity)$5
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Account research / reconciliation$35
Not compared: Charged per hour; comparison unavailable
per hour · Account research / reconciliation: | $35.00 per hour
Returned Mail$5
Inside the U.S. middle 50% ($5 to $7.50 nationally)
per month

Overdraft & NSF

Overdraft (paid) Insufficient Funds (Checks, ACH, EFT, ATM withdrawals)$32
Inside the U.S. middle 50% ($25 to $33 nationally)
per item
Returned (unpaid) Insufficient Funds (Checks, ACH, EFT, ATM withdrawals)$32
Inside the U.S. middle 50% ($25 to $32 nationally)
per item

ATM & Card

Non-Fulton Savings Bank ATM balance inquiry$1.50
Inside the U.S. middle 50% ($1 to $2 nationally)
per item
Non-Fulton Savings Bank ATM transfer fee$1.50
Inside the U.S. middle 50% ($1 to $2 nationally)
per item
Non-Fulton Savings Bank ATM withdrawal$1.50
Inside the U.S. middle 50% ($1 to $2 nationally)
per item
Debit Card International POS fee (US value of payment)1%

Wire Transfers

Outgoing wire transfers$25
Inside the U.S. middle 50% ($20 to $25 nationally)
per item
Incoming wire transfers$15
Inside the U.S. middle 50% ($5 to $15 nationally)
per item

Check Services

Official Checks$3
Inside the U.S. middle 50% ($3 to $6 nationally)
per item
Money Orders$2
Inside the U.S. middle 50% ($2 to $3 nationally)
per item
Stop Payment order$32
Above the U.S. middle 50% ($20 to $30 nationally)
per item
Foreign check collection$20
Inside the U.S. middle 50% ($10 to $26 nationally)
per item

Account Services

Legal processing fee$175
Above the U.S. middle 50% ($50 to $150 nationally)
per item
Verification of deposit for loan purposes$15
Inside the U.S. middle 50% ($5 to $15 nationally)
per item

Other Fees

Copies of account$2
Not compared: Charged per statement; comparison unavailable
per statement · Copies of account: | $2.00 per statement

Fee	Amount	Basis	Note
Account Maintenance
Monthly service fee	$3Below the U.S. middle 50% ($5 to $10 nationally)	per month	None
Premature Account Closing Fee (Accounts opened less than 180 days)	$25Inside the U.S. middle 50% ($10 to $25 nationally)	Not stated	None
Inactive Account Fee (After 60 days of inactivity)	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Account research / reconciliation	$35Not compared: Charged per hour; comparison unavailable	per hour	Account research / reconciliation: \| $35.00 per hour
Returned Mail	$5Inside the U.S. middle 50% ($5 to $7.50 nationally)	per month	None
Overdraft & NSF
Overdraft (paid) Insufficient Funds (Checks, ACH, EFT, ATM withdrawals)	$32Inside the U.S. middle 50% ($25 to $33 nationally)	per item	None
Returned (unpaid) Insufficient Funds (Checks, ACH, EFT, ATM withdrawals)	$32Inside the U.S. middle 50% ($25 to $32 nationally)	per item	None
ATM & Card
Non-Fulton Savings Bank ATM balance inquiry	$1.50Inside the U.S. middle 50% ($1 to $2 nationally)	per item	None
Non-Fulton Savings Bank ATM transfer fee	$1.50Inside the U.S. middle 50% ($1 to $2 nationally)	per item	None
Non-Fulton Savings Bank ATM withdrawal	$1.50Inside the U.S. middle 50% ($1 to $2 nationally)	per item	None
Debit Card International POS fee (US value of payment)	1%	Not stated	None
Wire Transfers
Outgoing wire transfers	$25Inside the U.S. middle 50% ($20 to $25 nationally)	per item	None
Incoming wire transfers	$15Inside the U.S. middle 50% ($5 to $15 nationally)	per item	None
Check Services
Official Checks	$3Inside the U.S. middle 50% ($3 to $6 nationally)	per item	None
Money Orders	$2Inside the U.S. middle 50% ($2 to $3 nationally)	per item	None
Stop Payment order	$32Above the U.S. middle 50% ($20 to $30 nationally)	per item	None
Foreign check collection	$20Inside the U.S. middle 50% ($10 to $26 nationally)	per item	None
Account Services
Legal processing fee	$175Above the U.S. middle 50% ($50 to $150 nationally)	per item	None
Verification of deposit for loan purposes	$15Inside the U.S. middle 50% ($5 to $15 nationally)	per item	None
Other Fees
Copies of account	$2Not compared: Charged per statement; comparison unavailable	per statement	Copies of account: \| $2.00 per statement

Correct a fee source

Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Fulton Savings Bank operates, and what regulators and customers have on file.

Branch footprint

6 offices in 1 state, $283.8M in branch deposits (June 2026)

Each dot is one office.

This bankOther banks and credit unions

Largest markets by deposits

$283.8M

Syracuse, NY

1.7% of bank deposits, #11 of 15, down 0.2 points over five years.

Largest competitors here	Deposit share
Manufacturers and Traders Trust Company	22.5%
KeyBank National Association	15.7%
JPMorgan Chase Bank, National Association	11.3%
NBT Bank, National Association	9.6%
Community Bank, National Association	9.1%

Fees in Baldwinsville →

Branch count by year

Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.

Market position

In Syracuse, NY, Fulton Savings Bank holds 1.7% of bank deposits, #11 of 15, with 6 offices.

Compare fees with the 29 Syracuse, NY banks and credit unions in its home-metro peer set →

Offices in the metro

224 offices of 39 institutions shown.

Fulton Savings BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Syracuse, NY metro (FDIC metro code 45060), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 4 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Manufacturers and Traders Trust Company22.5%
2KeyBank National Association15.7%
3JPMorgan Chase Bank, National Association11.3%
4NBT Bank, National Association9.6%
5Community Bank, National Association9.1%
6Bank of America, National Association7.4%
7Pathfinder Bank7.3%
8Solvay Bank6.6%
11Fulton Savings Bank1.7%

9 of 15 institutions shown. $16.2B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Syracuse, NY metro (FDIC metro code 45060)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 1.7% share, 6 offices, #11 of 15

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Syracuse, NY metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

76 offices of 25 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Fee change alerts

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