Fulton Bank, National Association
Lancaster, Pennsylvania, Lancaster County
$32.6B in total assets, the 70th largest of 4,309 US banks and 2nd of 113 headquartered in Pennsylvania.
- FDIC certificate
- 7551
- Established
- 1882
- Owned by
- Fulton Financial Corp
- Primary regulator
- OCC
- Website
- www.fultonbank.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $32.6B | 72% | $22.4B | |
| Loans | $24.4B | 75% | $14.4B | |
| Deposits | $27.4B | 75% | $18.0B | |
| Return on assets | 1.34% | 59% | 1.29% | |
| Net interest margin | 3.64% | 52% | 3.61% | |
| Efficiency ratio | 57.4% | 62% | 55.1% | |
| Equity to assets | 11.00% | 41% | 11.60% | |
| Loans to deposits | 89% | 57% | 87% |
Growth
Total assets grew 4.7% a year over the last 5 years and 12.0% a year over 10 years, including 7 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2024 | Republic Bank Philadelphia, PA | $5.9B |
| Nov 2022 | Prudential Bank Philadelphia, PA, an affiliate under the same holding company | $827M |
| Sep 2019 | The Columbia Bank Columbia, MD, an affiliate under the same holding company | $2.6B |
| Sep 2019 | Lafayette Ambassador Bank Bethlehem, PA, an affiliate under the same holding company | $1.6B |
| May 2019 | Fulton Bank of New Jersey Mount Laurel, NJ, an affiliate under the same holding company | $4.2B |
| Oct 2018 | FNB Bank, National Association Danville, PA, an affiliate under the same holding company | $358M |
| Oct 2018 | Swineford National Bank Middleburg, PA, an affiliate under the same holding company | $324M |
| Dec 2010 | Delaware National Bank Georgetown, DE, an affiliate under the same holding company | $472M |
| Jan 2010 | (unknown, CERT 57019) , PA | $52M |
| Mar 2008 | Resource Bank Virginia Beach, VA, an affiliate under the same holding company | $1.5B |
| Jul 2007 | Lebanon Valley Farmers Bank Lebanon, PA, an affiliate under the same holding company | $781M |
| Dec 2006 | Premier Bank Doylestown, PA, an affiliate under the same holding company | $545M |
| Aug 2001 | The Drovers & Mechanics Bank York, PA | $816M |
| Oct 2000 | Great Valley Savings Bank Reading, PA, an affiliate under the same holding company | n/a |
| Oct 2000 | Great Valley Savings Bank Reading, PA, an affiliate under the same holding company | $376M |
| Mar 1993 | The Denver National Bank Denver, PA | $192M |
| May 1974 | The Hummelstown National Bank Hummelstown, PA | n/a |
| May 1973 | The Leola National Bank Leola, PA | n/a |
Where they operate
206 branches in 52 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Lancaster County, PA | $5.5B | 29.4% | 1 of 25 |
| Gloucester County, NJ | $1.7B | 18.3% | 2 of 19 |
| Camden County, NJ | $1.5B | 9.9% | 4 of 17 |
| York County, PA | $1.3B | 13.4% | 3 of 15 |
| Lebanon County, PA | $1.1B | 34.1% | 1 of 12 |
| Burlington County, NJ | $1.0B | 7.1% | 6 of 17 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 91 branches since 2016 (115 to 206, +79.1%). 18 opened, 163 acquired, 90 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 115 | |||
| 2018 | Acquired FNB Bank, National Association and Swineford National BankClosed 3 in Pennsylvania | 13 | 3 | +10 | 125 |
| 2019 | Acquired 3 banksOpened 5 in 3 states, closed 6 in Pennsylvania | 114 | 6 | +108 | 233 |
| 2020 | Opened BaltimoreClosed 4 in Pennsylvania | 1 | 4 | −3 | 230 |
| 2021 | Opened Baltimore and EphrataClosed 23 in 3 states | 2 | 23 | −21 | 209 |
| 2022 | Acquired Prudential BankOpened 3 in 2 states, closed 3 in Maryland | 10 | 3 | +7 | 216 |
| 2023 | Opened 4 in 3 statesClosed 5 in 3 states | 4 | 5 | −1 | 215 |
| 2024 | Acquired Republic BankOpened Center Valley, closed 25 in 3 states | 35 | 25 | +10 | 225 |
| 2025 | Opened RichmondClosed 16 in 4 states | 1 | 16 | −15 | 210 |
| 2026 through Q2 | Opened EastonClosed 5 in Pennsylvania | 1 | 5 | −4 | 206 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 36% | 21% | |
| Commercial real estate | 31% | 25% | |
| Business (C&I) | 11% | 17% | |
| Multifamily | 6% | 8% | |
| Construction and land | 4% | 6% | |
| Farmland | 3% | 1% | |
| Consumer | 2% | 10% | |
| Agricultural | 1% | 1% | |
| Other | 6% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 62% | 62% | |
| Noninterest-bearing | 20% | 20% | |
| Time deposits | 18% | 18% |
Brokered deposits are 3.5% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.71% | 0.63% |
| Net charge-offs, annualized | 0.30% | 0.14% |
| Reserves to loans | 1.45% | 1.14% |
| Leverage ratio | 10.20% | 10.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Pennsylvania
Largest competitors in Lancaster County, PA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/fulton-bank-lancaster-pa