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The Lender Report built this page from public records. Fulton Bank, National Association has not reviewed it. Every lender's page starts this way, and it says nothing about Fulton Bank, National Association itself. Each figure shows its source and date. Work at Fulton Bank, National Association? You can claim this page for free.
Bank, Lancaster, PA
Fulton Bank, National Association
A bank based in Lancaster, PA. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $13.5B
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 32
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 329
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $32.6B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 800-385-8664 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.fultonbank.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- fultonbank.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- Fulton Bank, N.A.FDIC institution record,
- Address
- 1 Penn Sq, Lancaster, PA 17602FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Fulton Bank, National Association originated 32 multifamily loans in 2025, versus 23 in 2024. HMDA,
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 2 opened, 35 closed, 0 relocated.FDIC structure history. | FDIC history |
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 238 under Preferred Lender authority, 43 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| July 13, 2026 | Acquired Blue Foundry Bank on July 13, 2026.FDIC structure history. | FDIC history, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 8.8% to $4.1B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 5.3% to $1.6B in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
| 2024 | Reported making 1,236 small business loans totaling $312.6M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Maryland | SBA 7(a), Manufacturing | $5M | 9.25% | 15 yr | SBA FOIA | |
| Sep 2026 | Pennsylvania | SBA 7(a), Specialized Freight (except Used Goods) Trucking, Long-Distance | $4.7M | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), Sheet Metal Work Manufacturing | $4.7M | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Texas | SBA 7(a), Nail Salons | $3.9M | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Pennsylvania | SBA 7(a), Fitness and Recreational Sports Centers | $3.1M | 9.25% | 25 yr | SBA FOIA | |
| Sep 2026 | Pennsylvania | SBA 7(a), Beer, Wine, and Liquor Retailers | $1.9M | 8.75% | 15 yr | SBA FOIA | |
| Sep 2026 | Kansas | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $1.8M | 8.75% | 26 yr | SBA FOIA | |
| Sep 2026 | Illinois | SBA 7(a), Marketing Consulting Services | $1.8M | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Pennsylvania | SBA 7(a), Machine Shops | $1.8M | 9% | 25 yr | SBA FOIA | |
| Apr 2026 | Pennsylvania | SBA 504, Manufacturing | $1.4M | 25 yr | SBA FOIA | ||
| Mar 2026 | Illinois | SBA 504, Drywall and Insulation Contractors | $620K | 25 yr | SBA FOIA | ||
| Jan 2026 | Delaware | SBA 504, Accommodation and Food Services | $1.4M | 25 yr | SBA FOIA | ||
| 2025 | York County, PA | Purchase, 5 to 24 units | $460K | 7.14% | 20 yr | 75% | HMDA 2025 |
| 2025 | New Castle County, DE | Purchase, 5 to 24 units | $1.1M | 7.1% | 10 yr | 73% | HMDA 2025 |
| 2025 | Atlantic County, NJ | Purchase, 5 to 24 units | $1.1M | 6.26% | 4 yr | 73% | HMDA 2025 |
| 2025 | Sussex County, DE | Refinance, 50 to 99 units | $1.1M | 6.82% | 5 yr | 15% | HMDA 2025 |
| 2025 | Gloucester County, NJ | Improvement, 5 to 24 units | $400K | 7.06% | 10 yr | 55% | HMDA 2025 |
| 2025 | Northampton County, PA | Refinance, 5 to 24 units | $500K | 6.99% | 10 yr | 67% | HMDA 2025 |
| 2025 | Morris County, NJ | Improvement, 5 to 24 units | $1.5M | 8.5% | 25 yr | 76% | HMDA 2025 |
| 2025 | Berks County, PA | Improvement, 25 to 49 units | $4.9M | 7.11% | 5 yr | 59% | HMDA 2025 |
| Dec 2025 | Virginia | SBA 504, Retail Trade | $810K | 20 yr | SBA FOIA | ||
| Aug 2025 | Pennsylvania | SBA 504, Health Care and Social Assistance | $440K | 20 yr | SBA FOIA | ||
| Apr 2025 | Pennsylvania | SBA 504, Real Estate and Rental and Leasing | $1.4M | 25 yr | SBA FOIA | ||
| Apr 2025 | New Jersey | SBA 504, Retail Trade | $460K | 25 yr | SBA FOIA | ||
| Apr 2025 | New Jersey | SBA 504, Full-Service Restaurants | $1.1M | 25 yr | SBA FOIA | ||
| 291 SBA 7(a) loans since October 2023, net of cancelled | $242M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $1.56B | 6.4% | -2.5% |
| Construction and land development | $885M | 3.6% | -22.6% |
| Owner-occupied CRE | $3.55B | 14.6% | -0.7% |
| Non-owner-occupied CRE | $4.08B | 16.7% | +8.8% |
| Farmland | $671M | 2.8% | +3.7% |
| Commercial and industrial | $2.76B | 11.3% | -7.2% |
| Commercial total | $13.5B |
Reference only: $8.67B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $12.1B |
| Q4 2023 | $12.3B |
| Q1 2024 | $12.4B |
| Q2 2024 | $14.0B |
| Q3 2024 | $14.0B |
| Q4 2024 | $13.9B |
| Q1 2025 | $13.7B |
| Q2 2025 | $13.7B |
| Q3 2025 | $13.5B |
| Q4 2025 | $13.5B |
| Q1 2026 | $13.5B |
| Q2 2026 | $13.5B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 32 | $36.4M | $515K | $5.8M | HMDA, |
| Multifamily, 5 or more units | 2024 | 23 | $57.2M | $595K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 277 | $67.7M | $185K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 291 | $242M | $500K | $5M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 107 | $110M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 38 | $50.5M | $921K | $5.9M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens (several rules: name and lender office city; name and state).
| Industry | Loans | Dollars |
|---|---|---|
| Full-Service Restaurants | 22 | $20.3M |
| Fitness and Recreational Sports Centers | 18 | $16.1M |
| Limited-Service Restaurants | 17 | $11.0M |
| Beer, Wine, and Liquor Retailers | 14 | $18.0M |
| Snack and Nonalcoholic Beverage Bars | 8 | $7.14M |
| Automotive Body, Paint, and Interior Repair and Maintenance | 6 | $3.94M |
| Health Care and Social Assistance | 6 | $3.64M |
| Electrical Contractors and Other Wiring Installation Contractors | 6 | $3.48M |
| All Other Specialty Trade Contractors | 6 | $2.26M |
| Child Care Services | 5 | $6.20M |
Other lenders in these fields: SBA lenders for restaurants, SBA lenders for gyms and fitness businesses, SBA lenders for retail stores.
Programs on record: Federal Home Loan Bank member, Pittsburgh district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- Fulton Bank, National Association reported making 1,236 small business loans totaling $312,574,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 513 of $100,000 or less, 286 over $100,000 up to $250,000, 437 over $250,000 up to $1 million.
- 610 of them, totaling $136,577,000, went to businesses with revenue of $1 million or less.
- Fulton Bank, National Association reported making 175 small farm loans totaling $34,266,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 69 of $100,000 or less, 53 over $100,000 up to $250,000, 53 over $250,000 up to $500,000.
- 138 of them, totaling $26,919,000, went to farms with revenue of $1 million or less.
| County | Loans | Total |
|---|---|---|
| Lancaster County, PA | 147 | $32.2M |
| Gloucester County, NJ | 70 | $13.6M |
| Berks County, PA | 62 | $14.2M |
| Burlington County, NJ | 49 | $11.3M |
| Montgomery County, PA | 47 | $15.2M |
| York County, PA | 46 | $13.6M |
| Camden County, NJ | 45 | $9.91M |
| New Castle County, DE | 42 | $15.5M |
| Philadelphia County, PA | 41 | $10.4M |
| Lebanon County, PA | 35 | $7.12M |
| County | Loans | Total |
|---|---|---|
| Lancaster County, PA | 48 | $11.7M |
| Berks County, PA | 35 | $5.30M |
| Lebanon County, PA | 26 | $4.89M |
| Cumberland County, PA | 13 | $2.37M |
| Schuylkill County, PA | 9 | $949K |
| Chester County, PA | 7 | $1.56M |
| Dauphin County, PA | 5 | $1.10M |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: OCC charter via FFIEC POR + transmittal RSSD.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Fulton Bank, National Association reported commitments to fund construction loans that had not been drawn at June 30, 2026: $431,233,000 for 1-4 family residential construction and $1,150,920,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $3,726,694,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 5,925 | $49.3M |
| Over $100,000 up to $250,000 | 1,902 | $114M |
| Over $250,000 up to $1 million | 2,290 | $403M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 488 | $12.2M |
| Over $100,000 up to $250,000 | 897 | $85.4M |
| Over $250,000 up to $1 million | 2,348 | $798M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 347 | $7.92M |
| Over $100,000 up to $250,000 | 344 | $28.0M |
| Over $250,000 up to $500,000 | 429 | $84.5M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 765 | $12.9M |
| Over $100,000 up to $250,000 | 318 | $21.8M |
| Over $250,000 up to $500,000 | 143 | $19.6M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Pennsylvania HQ | 105 | 20 | 150 | 71 | 15 |
| New Jersey | 80 | 4 | 55 | 87 | 9 |
| Maryland | 20 | 2 | 28 | 43 | 1 |
| Virginia | 12 | 4 | 24 | 29 | 6 |
| Delaware | 12 | 2 | 14 | 15 | 6 |
| District of Columbia | 0 | 0 | 4 | 6 | 0 |
| Illinois | 0 | 0 | 0 | 7 | 1 |
| Texas | 0 | 0 | 0 | 6 | 0 |
| Georgia | 0 | 0 | 0 | 5 | 0 |
| Florida | 0 | 0 | 0 | 4 | 0 |
| Indiana | 0 | 0 | 0 | 4 | 0 |
| New York | 0 | 0 | 1 | 2 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| York County, PA | 6 | $5.09M |
| Berks County, PA | 5 | $5.93M |
| Lancaster County, PA | 5 | $1.59M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| York-Hanover, PA | 6 | $5.09M |
| Harrisburg-Carlisle, PA | 5 | $6.88M |
| Reading, PA | 5 | $5.93M |
| Allentown-Bethlehem-Easton, PA-NJ | 5 | $1.89M |
| Lancaster, PA | 5 | $1.59M |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Fulton Bank, National Association has 202 offices in 52 counties and 5 states (FDIC Summary of Deposits, June 30, 2026): 200 full service and 2 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Lancaster County, PA | 20 | 0 |
| Gloucester County, NJ | 12 | 0 |
| Philadelphia County, PA | 12 | 0 |
| Camden County, NJ | 8 | 0 |
| Chester County, PA | 8 | 0 |
| Burlington County, NJ | 7 | 0 |
| Berks County, PA | 7 | 0 |
| Northampton County, PA | 7 | 0 |
| York County, PA | 7 | 0 |
| Sussex County, DE | 6 | 0 |
| Bucks County, PA | 6 | 0 |
| Lebanon County, PA | 6 | 0 |
| New Castle County, DE | 5 | 0 |
| Baltimore city, MD | 5 | 0 |
| Salem County, NJ | 5 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $541M | $130M to $743M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 181.2% | 40.9% to 263.5% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 24.6% | 1.6% to 53.7% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 89.0% | 71.4% to 100.2% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $1.60B | $67.0M to $1.69B across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 5.3% from a year earlier. | FDIC call report, |
| Loans to assets | 74.9% | 60.7% to 86.4% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 238 loans (81.8%)
- SBA Express
- 43 loans
- Approval to first disbursement
- 42 days, median of 240
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Customers Bank | PA | $26.5B | $9.70B |
| BNY Mellon, National Association | PA | $30.6B | $973M |
| TriState Capital Bank | PA | $24.3B | $4.60B |
| First National Bank of Pennsylvania | PA | $50.8B | $19.3B |
| First Commonwealth Bank | PA | $12.2B | $5.42B |
| Northwest Bank | PA | $17.2B | $5.42B |
| Dollar Bank, Federal Savings Bank | PA | $12.7B | $4.02B |
| Univest Bank and Trust Co. | PA | $8.17B | $4.90B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Fulton Bank, National Association, FDIC certificate 7551. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $32.6B in total assets and $13.5B in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 661 recorded loans from HMDA and SBA files, through September 30, 2026: 32 HMDA multifamily 2025, 23 HMDA multifamily 2024, 277 HMDA 1-4 unit investor 2025, 291 SBA 7(a) in 36 months, 38 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Fulton Bank, National Association]
- Phone and website. Phone 800-385-8664, from the lender's website on November 9, 2026. Website fultonbank.com, from the FDIC record. [How to reach them]
- Small business loans reported under CRA. 1,236 small business loans reported in its CRA filing for 2024. [Source]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- Office of the Comptroller of the Currency
- FDIC certificate
- 7551
- RSSD
- 474919
- LEI
- DZC62HF6UIZYJ08V1J90
- The Lender Report ID
- lr_000073
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Lancaster, PA
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $32.6B in total assets as of June 30, 2026 (FDIC call report).
- Held $13.5B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $4.1B of non-owner-occupied commercial real estate loans as of June 30, 2026, up 8.8% from a year earlier (FDIC call report).
- Held $3.6B of owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $2.8B of commercial and industrial loans as of June 30, 2026 (FDIC call report).
- Originated 32 multifamily loans totaling $36.4M in 2025 (HMDA).
10 more sentences
- Originated 23 multifamily loans totaling $57.2M in 2024 (HMDA).
- Originated 277 1-4 unit investor or business-purpose loans totaling $67.7M in 2025 (HMDA).
- Recorded 334 SBA 7(a) approvals totaling $270.9M from October 1, 2023 to September 30, 2026, of which 43 were later cancelled (SBA).
- Provided the first lien on 39 SBA 504 projects with $60.4M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Listed 229 offices in 5 states (FDIC).
- Reported making 1,236 small business loans totaling $312.6M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Reported making 175 small farm loans totaling $34.3M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Held 10,117 commercial and industrial loans that were $1 million or less when made, with a balance of $566.4M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 3,733 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $895.6M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $431.2M for 1-4 family and $1.2B for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Fulton Bank, National Association, https://lender.report/lender/fulton-bank-pa/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem