Fulton Bank National Assn: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Fulton Bank National Assn (FDIC Cert #7551) at 61/100 for bank stress — a elevated level of financial pressure. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

DLRadar maps Fulton Bank National Assn into 52 counties (1,500 ZIP codes) across 5 states — a mid-sized, multi-state lending base. It concentrates most in Pennsylvania (20 counties), New Jersey (14 counties), Maryland (9 counties), Virginia (7 counties). Because Fulton Bank National Assn is publicly traded (FULT) under Fulton Financial Corp, its financials are open to scrutiny and its trend can be independently checked. Over the trailing week its stress reading is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. County by county, that footprint includes Baltimore County, MD, Montgomery County, PA, Berks County, PA, Lancaster County, PA, among others DLRadar tracks parcel by parcel. The combination of a elevated reading and a mid-sized footprint is what makes Fulton Bank National Assn worth watching as a supply signal. Fulton Bank National Assn's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Because Fulton Bank National Assn is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 61/100 reading stays current and directly comparable — a like-for-like number across 5 states and against any other institution. DLRadar does not model Fulton Bank National Assn in isolation: the 1,500-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 52 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress.

The acquisition angle is simple — lending capacity is what moves deals. As Fulton Bank National Assn tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.