LANCASTER, Pa., Oct. 21, 2026 /PRNewswire/ -- Fulton Financial Corporation (NASDAQ: FULT) ("Fulton" or the "Corporation") reported net income available to common shareholders of $114.1 million, or $0.59 per diluted share, for the third quarter of 2026, an increase of $14.2 million, or $0.07 per diluted share, in comparison to the second quarter of 2026. Operating net income available to common shareholders for the three months ended September 30, 2026 was $119.8 million(1), or $0.62 per diluted share(1), an increase of $3.9 million, or $0.02 per diluted share, in comparison to the second quarter of 2026.
Net income available to common shareholders for the nine months ended September 30, 2026 was $306.1 million, or $1.62 per diluted share, an increase of $21.2 million, or $0.07 per diluted share in comparison to the nine months ended September 30, 2025. Operating net income available to common shareholders for the nine months ended September 30, 2026, was $335.3 million(1), or $1.77 per diluted share(1), an increase of $37.9 million, or $0.15 per diluted share, in comparison to the nine months ended September 30, 2025.
"During the quarter, we achieved record financial results while successfully completing the Blue Foundry Bank integration and delivering solid growth in the customer base and customer funding," said Curtis J. Myers, Fulton Chairman, CEO and President. "Our ongoing strong performance reflects robust demand for our community banking model and the steadfast dedication of our team members to deliver a personalized experience. The sustained commitment to executing our strategic priorities is generating long-term value for our shareholders."
Financial Highlights
Third quarter of 2026 operating results of $0.62 per diluted share(1) were impacted by the following items:
- Net interest margin remained solid at 3.58%, representing a two basis point decrease from the prior quarter.
- Non-interest income decreased $2.1 million to $77.2 million compared to $79.3 million in the prior quarter. The decrease was primarily attributable to $6.9 million of income recognized from an equity method investment that was sold in the prior quarter.
- Non-interest expense decreased $12.4 million to $218.5 million compared to $231.0 million in the prior quarter. Operating non-interest expense increased $0.6 million to $211.2 million(1) compared to $210.6 million in the prior quarter.
- Provision for credit losses was $4.1 million resulting in an allowance for credit losses attributable to net loans of $375.6 million, or 1.45% of total net loans as of September 30, 2026.
- Common equity Tier 1 capital ratio(2) was 12.2% as of September 30, 2026.
- During the third quarter of 2026, 2,325,000 shares of the Corporation's common stock were repurchased under the 2026 Repurchase Program(3) at a cost of $56.1 million or an average of $24.14 per share. As of September 30, 2026, the Corporation repurchased 4,062,650 shares of the Corporation's common stock at a cost of $91.8 million or an average of $22.58 per share, under the 2026 Repurchase Program .
The following items highlight notable changes in the components of net income in the third quarter of 2026 compared to the second quarter of 2026:
- Net interest income increased $5.8 million to $290.0 million driven by a $6.1 million increase in interest income on net loans, a $4.3 million increase in interest income on investment securities, a $2.3 million increase in interest income on other interest-earning assets, and a $2.1 million decrease in interest expense on borrowings and other interest-bearing liabilities, partially offset by a $9.0 million increase in interest expense on deposits. Purchase loan mark accretion from loans acquired in the Republic Transaction(4) was $8.3 million in the third quarter of 2026 compared to $9.9 million in the prior quarter. Purchase loan mark accretion from loans acquired in the Blue Foundry Bancorp Transaction(5) was $4.6 million in the third quarter of 2026 compared to $5.2 million in the prior quarter. The decrease in interest expense on borrowings and other interest-bearing liabilities was partially due to $2.4 million of interest expense recognized in the second quarter of 2026 from the Corporation's $195.0 million aggregate principal amount of outstanding 3.250% Fixed-to-Floating Rate Subordinated Notes due 2030 that were redeemed on June 15, 2026.
- Non-interest income before investment securities gains (losses) was $77.2 million compared to $79.3 million in the prior quarter. The $2.1 million decrease was primarily attributable to a $6.3 million decline in income from equity method investments, reflected in other income, mainly due to $6.9 million of income recognized from an equity method investment that was sold in the prior quarter. Compared to the prior quarter, wealth management revenues increased by $2.1 million.
- Non-interest expense was $218.5 million compared to $231.0 million in the prior quarter. The $12.4 million decrease was primarily attributable to a $12.1 million decrease in acquisition-related expenses. Salaries and employee benefits expense increased $5.6 million mainly due to a $3.9 million increase in incentive compensation expense, a $0.8 million increase in base salary expense from one additional calendar day in the third quarter and a $0.8 million increase in recruiting expenses. Other non-interest expense for the second quarter included a $2.1 million charge incurred related to combining two employee pension plans and $0.8 million of debt extinguishment costs.
Balance Sheet Summary
- Total net loans increased $43.6 million to $26.0 billion compared to $25.9 billion as of June 30, 2026. The increase was due to a $107.0 million increase in consumer loans(6), partially offset by a $63.3 million decrease in commercial loans(6).
- Deposits totaled $28.8 billion, a $571.0 million increase compared to $28.3 billion as of June 30, 2026. The increase was attributable to increases of $601.0 million in savings deposits, $324.1 million in interest-bearing demand deposits and $120.3 million in time deposits, partially offset by decreases of $428.5 million in brokered deposits and $45.8 million in noninterest-bearing demand deposits. The increase in deposits was driven by solid commercial deposit growth and seasonal trends in the municipal deposit portfolio.
Provision for Credit Losses and Asset Quality
- The provision for credit losses totaled $4.1 million in the third quarter of 2026 compared to $4.9 million in the second quarter of 2026.
- The allowance for credit losses attributable to net loans was $375.6 million, or 1.45% of total net loans as of September 30, 2026, compared to $382.6 million, or 1.48% of total net loans as of June 30, 2026.
- Non-performing assets were $179.4 million, or 0.52% of total assets, as of September 30, 2026, in comparison to $187.1 million, or 0.54% of total assets, as of June 30, 2026.
- Annualized net charge-offs for the third quarter of 2026 were 0.14% of total average loans in comparison to 0.34% in the prior quarter.
Additional information on Fulton is available at www.fultonbank.com.
(1) Financial measure derived by methods other than generally accepted accounting principles ("GAAP"). Refer to the calculation on
the page titled "Reconciliation of Non-GAAP Measures" at the end of the press release.
(2)
Regulatory capital ratios as of September 30, 2026 are preliminary estimates and prior periods are actual.
(3) The 2026 Repurchase Program represents the authorization, commencing on January 1, 2026 and expiring on January 31, 2027, to
repurchase up to $150 million, excluding fees, commissions, excise tax and other ancillary expenses, of the Corporation's common
stock. Under this authorization, up to $25 million of the $150 million authorization may be used to repurchase the Corporation's
preferred stock and outstanding subordinated notes. As permitted by securities laws and other legal requirements and subject to
market conditions and other factors, purchases may be made from time to time under the 2026 Repurchase Program in open market or
privately negotiated transactions, including without limitation, through accelerated share repurchase transactions. The 2026
Repurchase Program may be discontinued at any time.
(4) On April 26, 2024, Fulton Bank, National Association ("Fulton Bank"), acquired substantially all of the assets and assumed
substantially all of the deposits and certain liabilities of Republic First Bank, doing business as Republic Bank ("Republic
Bank"), from the Federal Deposit Insurance Corporation (the "FDIC"), as receiver for Republic Bank (the "Republic Transaction"),
pursuant to the terms of the Purchase and Assumption Agreement -Whole Bank, All Deposits, effective as of April 26, 2024 among
the FDIC, as receiver of Republic Bank, the FDIC and Fulton Bank.
(5) On April 1, 2026, the Corporation completed the acquisition of Blue Foundry Bancorp (the "Blue Foundry Bancorp Transaction") and
Blue Foundry Bancorp's wholly owned subsidiary, Blue Foundry Bank, became a wholly owned subsidiary of the Corporation. On July
11, 2026, Blue Foundry Bank merged with and into the Corporation's wholly owned subsidiary Fulton Bank, with Fulton Bank
continuing as the surviving bank.
(6) Consumer loans include increases of $81.1 million in real estate -residential mortgage loans, $19.9 million in real estate -
home equity loans, $4.8 million in consumer loans and $1.2 million in residential construction loans, reflected in real estate -
construction. Commercial loans include decreases of $66.4 million in commercial construction loans, reflected in real estate -
construction and $12.4 million in commercial and industrial loans, partially offset by an increase of $14.7 million in leases
and other loans and $0.8 million in real estate -commercial mortgage.
Note: Some numbers contained in this document may not sum due to rounding.
Forward-Looking Statements
This press release may contain forward-looking statements with respect to the Corporation's financial condition, results of operations and business. Forward-looking statements are any statement that does not relate to historical or current facts and can be identified by the use of words such as "may," "should," "will," "could," "estimates," "predicts," "potential," "continue," "anticipates," "believes," "plans," "expects," "future," "intends," "projects," the negative of these terms and other comparable terminology. These forward-looking statements may include projections of, or guidance on, the Corporation's future financial performance, expected levels of future expenses, including future credit losses, anticipated growth strategies, descriptions of new business initiatives and anticipated trends in the Corporation's business or financial results.
Forward-looking statements are neither historical facts, nor assurance of future performance. Instead, the statements are based on current beliefs, expectations and assumptions regarding the future of the Corporation's business, plans and strategies, projections, anticipated events and trends, the economy and other future conditions. Because forward-looking statements relate to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict and many of which are outside of the Corporation's control, and actual results and financial condition may differ materially from those indicated in the forward-looking statements. Therefore, you should not unduly rely on any of these forward-looking statements. Any forward-looking statement is based only on information currently available and speaks only as of the date when made. The Corporation undertakes no obligation, other than as required by law, to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.
Numerous factors could cause the Corporation's actual results to differ materially from those described in the forward-looking statements, including, but not limited to, the following: the impact of adverse conditions in the economy and financial markets; trade policies and the imposition of tariffs and retaliatory tariffs; the impacts of events affecting the financial services industry; the effects of actions by the federal government, including those of the Board of Governors of the Federal Reserve System and other government agencies, that impact the money supply and market interest rates; the effects of market interest rates and the relative balances of interest rate-sensitive assets to interest rate-sensitive liabilities on net interest margin and net interest income; the composition of the Corporation's loan portfolio and potential exposure to increased credit risk; the effects of changes in interest rates; investment securities gains and losses, including declines in the fair value of securities; disruptions in liquidity markets; capital and liquidity strategies; the Corporation's ability to generate capital internally or raise capital on favorable terms; the effects of competition; possible goodwill impairment charges; the impact of operational risks; the loss of, or failure to safeguard, confidential or proprietary information; the Corporation's failure to identify and promptly address cybersecurity risks; the impact of failures of the Corporation's third-party vendors to perform in accordance with contractual arrangements; the effects of concerns about other financial institutions on the Corporation; potential losses in connection with repurchase and indemnification payments related to sold loans; the effects of climate change on the Corporation's business and results of operations; the effects of increases in non-performing assets; the determination of the allowance for credit losses; the effects of the extensive level of regulation and supervision to which the Corporation and Fulton Bank are subject; changes in law, regulation and government policy; the continuing impact of the Dodd-Frank Wall Street Reform and Consumer Protection Act; potential negative consequences resulting from regulatory violations, investigations and examinations; the effects of adverse outcomes in litigation and governmental or administrative proceedings; the effects of changes in U.S. federal, state or local tax laws; the effects of the significant amounts of time and expense associated with regulatory compliance and risk management; the Corporation's ability to realize anticipated reductions in non-interest expense and increases in revenue from strategic initiatives implemented from time to time; risks related to the acquisition of Blue Foundry Bancorp; completed and potential future acquisitions may affect costs and the Corporation may not be able to successfully integrate the acquired business or realize the anticipated benefits from such acquisitions; geopolitical conditions, including acts or threats of terrorism, actions taken by the United States or other governments in response to acts or threats of terrorism, military conflicts, wars and other international hostilities; public health crises and pandemics; the Corporation's ability to achieve its growth plans; the Corporation's ability to attract and retain talented personnel; the effects of competition from financial service companies and other companies offering bank services; the Corporation's ability to keep pace with technological changes; the Corporation's reliance on its subsidiaries for substantially all of its revenues; and the effects of negative publicity on the Corporation's reputation. For additional information about factors that could cause actual results to differ materially from those described in forward-looking statements, refer to the sections entitled "Risk Factors" and "Management's Discussion and Analysis of Financial Condition and Results of Operations" in the Corporation's Annual Report on Form 10-K for the year ended December 31, 2025, Quarterly Report on Form 10-Q for the quarters ended March 31, 2026 and June 30, 2026 and other current and periodic reports, which have been, or will be, filed with the Securities and Exchange Commission (the "SEC") and are, or will be, available in the Investor Relations section of the Corporation's website (www.fultonbank.com) and on the SEC's website (www.sec.gov).
Non-GAAP Financial Measures
The Corporation uses certain financial measures in this press release that have been derived from methods other than GAAP. These non-GAAP financial measures are reconciled to the most comparable GAAP measures in tables at the end of this press release.
FULTON FINANCIAL CORPORATION
SUMMARY CONSOLIDATED FINANCIAL INFORMATION
(UNAUDITED)
(dollars in thousands, except per share and shares data)
Three months ended
Sep 30 Jun 30 Mar 31 Dec 31 Sep 30
2026 2026 2026 2025 2025
Ending Balances
---
Investment securities(1) $5,321,773 $5,122,759 $4,861,967 $4,833,744 $5,045,270
Net loans 25,977,924 25,934,293 24,266,345 24,144,884 24,041,489
Total assets 34,775,370 34,556,720 32,237,438 32,118,400 31,995,086
Deposits 28,821,365 28,250,342 26,768,335 26,589,407 26,332,490
Shareholders' equity 3,686,752 3,815,813 3,505,283 3,490,447 3,413,598
Average Balances
---
Investment securities(1) 5,250,831 4,983,015 4,785,276 4,921,669 5,025,072
Net loans 25,973,093 25,883,823 24,225,655 24,053,089 24,020,322
Total assets 34,836,627 34,193,608 31,999,228 32,013,163 31,924,038
Deposits 28,770,984 28,014,666 26,451,094 26,537,659 26,298,680
Shareholders' equity 3,807,728 3,788,421 3,543,911 3,464,539 3,361,368
Income Statement
---
Net interest income 290,035 284,252 262,023 266,042 264,198
Provision for credit losses 4,059 4,897 14,442 2,948 10,245
Non-interest income 77,225 79,306 69,841 69,980 70,407
Non-interest expense 218,517 230,954 200,294 212,986 196,574
Income before taxes 144,684 127,707 117,128 120,088 127,786
Net income available to common shareholders 114,095 99,852 92,199 96,408 97,892
Per Share
---
Net income available to common shareholders (basic) $0.60 $0.52 $0.51 $0.53 $0.54
Net income available to common shareholders (diluted) $0.59 $0.52 $0.51 $0.53 $0.53
Operating net income available to common shareholders(2) $0.62 $0.60 $0.55 $0.55 $0.55
Cash dividends $0.19 $0.19 $0.19 $0.19 $0.18
Common shareholders' equity $18.46 $18.92 $18.52 $18.33 $17.81
Common shareholders' equity (tangible)(2) $15.14 $15.61 $15.12 $14.92 $14.39
Weighted average shares (basic) 190,642 191,386 179,720 180,405 181,658
Weighted average shares (diluted) 192,234 192,997 181,655 182,197 183,349
(1)Includes related unrealized holding gains (losses) for available for sale ("AFS") securities
(2) Non-GAAP financial measure. Refer to the calculation on the page titled "Reconciliation of Non-GAAP Measures" at the end of this press release
Three months ended
Sep 30 Jun 30 Mar 31 Dec 31 Sep 30
2026 2026 2026 2025 2025
Asset Quality
---
Net charge-offs to average loans (annualized) 0.14 % 0.34 % 0.25 % 0.24 % 0.18 %
Non-performing loans to total net loans 0.67 % 0.70 % 0.72 % 0.76 % 0.83 %
Non-performing assets to total assets 0.52 % 0.54 % 0.55 % 0.58 % 0.63 %
ACL - loans(1) to total loans 1.45 % 1.48 % 1.51 % 1.51 % 1.57 %
ACL - loans(1) to non-performing loans 216 % 211 % 209 % 198 % 189 %
Profitability
---
Return on average assets 1.33 % 1.20 % 1.20 % 1.23 % 1.25 %
Operating return on average assets(2) 1.40 % 1.39 % 1.30 % 1.27 % 1.29 %
Return on average common shareholders' equity 12.52 % 11.14 % 11.16 % 11.69 % 12.26 %
Operating return on average common 15.94 % 15.71 % 14.76 % 14.86 % 15.79 %
shareholders' equity (tangible)(2)
Net interest margin 3.58 % 3.60 % 3.58 % 3.59 % 3.57 %
Efficiency ratio(2) 56.8 % 57.3 % 56.7 % 60.0 % 56.5 %
Non-interest expense to total average assets 2.49 % 2.71 % 2.54 % 2.64 % 2.44 %
Operating non-interest expense to total 2.41 % 2.47 % 2.42 % 2.53 % 2.38 %
average assets(2)
Capital Ratios
(3)
---
Tangible common equity ratio ("TCE")(2) 8.4 % 8.8 % 8.6 % 8.5 % 8.3 %
Tier 1 leverage ratio 9.9 % 10.0 % 9.9 % 9.7 % 9.6 %
Common equity Tier 1 capital ratio 12.2 % 12.2 % 11.9 % 11.8 % 11.6 %
Tier 1 risk-based capital ratio 12.9 % 12.9 % 12.7 % 12.6 % 12.4 %
Total risk-based capital ratio 16.0 % 16.0 % 15.2 % 15.2 % 15.0 %
(1) "ACL - loans" relates to the allowance for credit losses ("ACL") specifically on "Net Loans" and does not include the ACL related to off-balance-sheet
("OBS") credit exposures
(2) Non-GAAP financial measure. Refer to the calculation on the page titled "Reconciliation of Non-GAAP Measures" at the end of this press release
(3) Regulatory capital ratios as of September 30, 2026 are preliminary estimates and prior periods are actual
FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED ENDING BALANCE SHEETS (UNAUDITED)
(dollars in thousands)
Sep 30 Jun 30 Mar 31 Dec 31 Sep 30
2026 2026 2026 2025 2025
ASSETS
---
Cash and due from banks $272,674 $325,259 $311,796 $271,463 $307,267
Other interest-earning
assets 969,295 1,076,395 871,066 911,155 643,111
Loans held for sale 16,044 33,902 11,887 16,316 19,875
Investment securities 5,321,773 5,122,759 4,861,967 4,833,744 5,045,270
Net loans 25,977,924 25,934,293 24,266,345 24,144,884 24,041,489
Less: ACL -loans(1) (375,635) (382,580) (367,489) (364,462) (376,258)
Loans, net 25,602,289 25,551,713 23,898,856 23,780,422 23,665,231
Net premises and equipment 181,019 186,184 168,941 175,240 178,644
Accrued interest receivable 123,664 121,220 112,083 113,698 114,003
Goodwill and intangible
assets 627,923 633,485 607,647 612,996 618,361
Other assets 1,660,689 1,505,803 1,393,195 1,403,366 1,403,324
Total Assets $34,775,370 $34,556,720 $32,237,438 $32,118,400 $31,995,086
LIABILITIES AND SHAREHOLDERS' EQUITY
---
Deposits $28,821,365 $28,250,342 $26,768,335 $26,589,407 $26,332,490
Borrowings 1,232,869 1,713,976 1,252,579 1,297,375 1,471,961
Other liabilities 1,034,384 776,589 711,241 741,171 777,037
Total Liabilities 31,088,618 30,740,907 28,732,155 28,627,953 28,581,488
Shareholders' equity 3,686,752 3,815,813 3,505,283 3,490,447 3,413,598
Total Liabilities and
Shareholders' Equity $34,775,370 $34,556,720 $32,237,438 $32,118,400 $31,995,086
LOANS, DEPOSITS AND BORROWINGS DETAIL:
---
Loans, by type:
Real estate -commercial
mortgage $10,915,582 $10,914,813 $9,985,368 $9,820,944 $9,734,156
Commercial and industrial 4,547,315 4,559,732 4,494,031 4,539,060 4,437,905
Real estate -residential
mortgage 7,332,034 7,250,949 6,735,338 6,669,993 6,617,017
Real estate -home equity 1,355,940 1,336,068 1,253,192 1,242,831 1,214,399
Real estate -construction 881,493 946,654 876,498 970,298 1,134,748
Consumer 574,893 570,093 565,041 564,349 566,291
Leases and other loans(2) 370,667 355,984 356,877 337,409 336,973
Total Net Loans $25,977,924 $25,934,293 $24,266,345 $24,144,884 $24,041,489
Deposits, by type:
Noninterest-bearing demand $5,199,747 $5,245,586 $5,334,920 $5,256,096 $5,136,210
Interest-bearing demand 8,470,142 8,146,057 7,823,683 7,970,188 8,035,393
Savings 9,878,185 9,277,215 8,875,256 8,512,829 8,417,678
Total demand and savings 23,548,074 22,668,858 22,033,859 21,739,113 21,589,281
Brokered 546,707 975,204 715,850 855,042 709,667
Time 4,726,584 4,606,280 4,018,626 3,995,252 4,033,542
Total Deposits $28,821,365 $28,250,342 $26,768,335 $26,589,407 $26,332,490
Borrowings, by type:
Federal Home Loan Bank
advances
$ - $552,500 $200,000 $250,000 $450,000
Senior debt and
subordinated debt 469,876 469,668 367,720 367,637 367,557
Other borrowings 762,993 691,808 684,859 679,738 654,404
Total Borrowings $1,232,869 $1,713,976 $1,252,579 $1,297,375 $1,471,961
(1) "ACL - loans" relates to the ACL specifically on "Net Loans" and does not include the ACL related to OBS credit exposures
(2) Includes equipment lease financing, overdraft and net origination fees and costs
FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)
(dollars in thousands, except per share and share data)
Three months ended Nine months ended
Sep 30 Jun 30 Mar 31 Dec 31 Sep 30 Sep 30
2026 2026 2026 2025 2025 2026 2025
Net Interest Income:
Interest income $440,908 $428,154 $390,056 $403,416 $411,006 $1,259,118 $1,213,458
Interest expense 150,873 143,902 128,033 137,374 146,808 422,809 443,153
Net Interest Income 290,035 284,252 262,023 266,042 264,198 836,309 770,305
Provision for credit losses 4,059 4,897 14,442 2,948 10,245 23,397 32,749
Net Interest Income after Provision 285,976 279,355 247,581 263,094 253,953 812,912 737,556
Non-Interest Income:
Wealth management 25,257 23,139 24,496 23,879 22,639 72,891 66,705
Commercial banking:
Merchant and card 7,298 7,496 6,343 6,847 7,327 21,137 21,294
Cash management 8,890 8,817 8,363 8,374 8,335 26,070 24,510
Capital markets 3,675 3,530 3,614 3,730 2,908 10,819 8,264
Other commercial banking 5,113 4,979 4,486 5,162 4,595 14,578 13,857
Total commercial banking 24,976 24,822 22,806 24,113 23,165 72,604 67,925
Consumer banking:
Card 8,673 8,596 7,887 8,366 8,246 25,156 23,748
Overdraft 4,265 3,858 3,798 4,109 4,153 11,921 11,265
Other consumer banking 2,722 2,891 2,491 2,967 2,775 8,104 7,757
Total consumer banking 15,660 15,345 14,176 15,442 15,174 45,181 42,770
Mortgage banking 5,110 4,938 3,955 3,636 3,711 14,003 10,841
Other 6,222 11,062 4,408 2,910 5,718 21,693 18,547
Non-interest income before
investment securities 77,225 79,306 69,841 69,980 70,407 226,372 206,788
(losses) gains
Investment securities (losses)
gains, net (2)
Total Non-Interest Income 77,225 79,306 69,841 69,980 70,407 226,372 206,786
Non-Interest Expense:
Salaries and employee benefits 125,764 120,184 109,917 121,632 111,265 355,865 321,914
Data processing and software 20,898 20,419 18,662 19,695 18,535 59,979 55,396
Net occupancy 18,714 17,841 18,229 17,554 15,954 54,784 50,571
Other outside services 15,370 14,999 12,750 13,105 12,951 43,119 36,797
Intangible amortization 5,561 5,910 5,349 5,365 5,368 16,821 17,097
FDIC insurance 4,465 4,430 4,249 4,540 5,089 13,144 15,638
Equipment 3,832 4,086 3,924 4,001 3,926 11,842 12,175
Marketing 3,636 2,818 2,331 1,694 2,470 8,785 7,595
Professional fees 3,229 2,342 2,239 2,088 2,320 7,809 3,405
Acquisition-related expenses 1,740 13,839 2,644 802 18,223 380
Other 15,308 24,086 20,000 22,510 18,696 59,393 57,877
Total Non-Interest Expense 218,517 230,954 200,294 212,986 196,574 649,764 578,845
Income Before Income Taxes 144,684 127,707 117,128 120,088 127,786 389,520 365,497
Income tax expense 28,027 25,293 22,367 21,118 27,332 75,687 72,858
Net Income 116,657 102,414 94,761 98,970 100,454 313,833 292,639
Preferred stock dividends (2,562) (2,562) (2,562) (2,562) (2,562) (7,686) (7,686)
Net Income Available to Common
Shareholders $114,095 $99,852 $92,199 $96,408 $97,892 $306,147 $284,953
Three months ended Nine months ended
Sep 30 Jun 30 Mar 31 Dec 31 Sep 30 Sep 30
2026 2026 2026 2025 2025 2026 2025
PER SHARE:
---
Net income available to common
shareholders:
Net income available to common
shareholders (basic) $0.60 $0.52 $0.51 $0.53 $0.54 $1.63 $1.57
Net income available to common
shareholders (diluted) $0.59 $0.52 $0.51 $0.53 $0.53 $1.62 $1.55
Cash dividends $0.19 $0.19 $0.19 $0.19 $0.18 $0.57 $0.54
Weighted average shares (basic) 190,642 191,386 179,720 180,405 181,658 187,289 182,030
Weighted average shares (diluted) 192,234 192,997 181,655 182,197 183,349 188,977 183,718
FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
(dollars in thousands)
Three months ended
September 30, 2026 June 30, 2026 September 30, 2025
Average Yield/ Average Yield/ Average Yield/
Balance Interest(1) Rate Balance Interest(1) Rate Balance Interest(1) Rate
ASSETS
---
Interest-earning assets:
Net loans(2) $25,973,093 $380,564 5.82 % $25,883,823 $374,426 5.80 % $24,020,322 $358,443 5.93 %
Investment securities(3) 5,537,868 51,940 3.75 % 5,233,693 47,661 3.64 % 5,330,905 49,442 3.70 %
Other interest-earning assets 1,228,130 12,711 4.11 % 997,586 10,377 4.17 % 622,832 7,557 4.83 %
Total Interest-Earning Assets 32,739,091 445,215 5.41 % 32,115,102 432,464 5.40 % 29,974,059 415,442 5.51 %
Noninterest-earning assets:
Cash and due from banks 314,436 310,904 312,578
Premises and equipment 184,787 189,791 181,116
Other assets 1,985,950 1,978,494 1,837,179
Less: ACL - loans(4) (387,637) (400,683) (380,894)
Total Assets $34,836,627 $34,193,608 $31,924,038
LIABILITIES AND SHAREHOLDERS' EQUITY
---
Interest-bearing liabilities:
Demand deposits $8,318,136 $33,302 1.59 % $8,279,932 $32,443 1.57 % $7,876,227 $36,369 1.83 %
Savings deposits 9,706,048 53,922 2.20 % 9,128,400 47,299 2.08 % 8,391,379 48,237 2.28 %
Brokered deposits 812,556 8,110 3.96 % 887,546 8,589 3.88 % 694,486 7,689 4.39 %
Time deposits 4,712,221 40,427 3.40 % 4,540,334 38,406 3.39 % 4,097,195 37,942 3.67 %
Total Interest-Bearing Deposits 23,548,961 135,761 2.29 % 22,836,212 126,737 2.23 % 21,059,287 130,237 2.45 %
Borrowings and other interest-
bearing 1,566,225 15,112 3.83 % 1,744,871 17,165 3.95 % 1,564,996 16,571 4.20 %
liabilities
Total Interest-Bearing
Liabilities 25,115,186 150,873 2.38 % 24,581,083 143,902 2.35 % 22,624,283 146,808 2.57 %
Noninterest-bearing liabilities:
Demand deposits 5,222,023 5,178,454 5,239,393
Other liabilities 691,690 645,650 698,994
Total Liabilities 31,028,899 30,405,187 28,562,670
Total Deposits 28,770,984 1.87 % 28,014,666 1.81 % 26,298,680 1.96 %
Total interest-bearing
liabilities and 30,337,209 1.97 % 29,759,537 1.94 % 27,863,676 2.09 %
non-interest bearing deposits
(cost of
funds)
Shareholders' equity 3,807,728 3,788,421 3,361,368
Total Liabilities and
Shareholders' $34,836,627 $34,193,608 $31,924,038
Equity
Net interest income/net interest
margin 294,342 3.58 % 288,562 3.60 % 268,634 3.57 %
(fully taxable equivalent)
Tax equivalent adjustment (4,307) (4,310) (4,436)
Net Interest Income $290,035 $284,252 $264,198
(1)Presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances
(2) Average balances include non-performing loans
(3)Average balances include amortized historical cost for AFS securities; the related unrealized holding gains (losses) are included in other
assets
(4) ACL -loans relates to the ACL for net loans and does not include the ACL related to OBS credit exposures, which is included in other
liabilities
FULTON FINANCIAL CORPORATION
AVERAGE LOANS, DEPOSITS AND BORROWINGS DETAIL (UNAUDITED)
(dollars in thousands)
Three months ended
Sep 30 Jun 30 Mar 31 Dec 31 Sep 30
2026 2026 2026 2025 2025
Loans, by type:
Real estate -commercial
mortgage $10,906,964 $10,887,986 $9,930,713 $9,785,717 $9,721,395
Commercial and industrial 4,572,754 4,602,800 4,522,694 4,473,522 4,494,662
Real estate -residential
mortgage 7,301,234 7,189,941 6,696,646 6,646,318 6,560,413
Real estate -home equity 1,324,822 1,298,632 1,235,977 1,223,293 1,191,465
Real estate -construction 918,036 962,625 926,026 1,014,343 1,125,130
Consumer 593,202 592,106 576,852 577,136 590,658
Leases and other loans(1) 356,081 349,733 336,747 332,760 336,599
Total Net Loans $25,973,093 $25,883,823 $24,225,655 $24,053,089 $24,020,322
Deposits, by type:
Noninterest-bearing demand $5,222,023 $5,178,454 $5,120,028 $5,243,390 $5,239,393
Interest-bearing demand 8,318,136 8,279,932 7,774,121 7,984,980 7,876,227
Savings 9,706,048 9,128,400 8,684,478 8,519,075 8,391,379
Total demand and savings 23,246,207 22,586,786 21,578,627 21,747,445 21,506,999
Brokered 812,556 887,546 856,823 803,755 694,486
Time 4,712,221 4,540,334 4,015,644 3,986,459 4,097,195
Total Deposits $28,770,984 $28,014,666 $26,451,094 $26,537,659 $26,298,680
Borrowings, by type:
Federal funds purchased
$ -
$ -
$ - $54
$ -
Federal Home Loan Bank
advances 241,032 475,983 221,039 237,880 484,022
Senior debt and subordinated
debt 469,787 509,493 367,679 367,598 367,517
Other borrowings and other
interest-bearing liabilities 855,406 759,395 770,395 740,305 713,456
Total Borrowings $1,566,225 $1,744,871 $1,359,113 $1,345,837 $1,564,995
(1) Includes equipment lease financing, overdraft and net origination fees and costs.
FULTON FINANCIAL CORPORATION
CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)
(dollars in thousands)
Nine months ended September 30,
2026 2025
Average Yield/ Average Yield/
Balance Interest(1) Rate Balance Interest(1) Rate
ASSETS
---
Interest-earning assets:
Net loans(2) $25,367,258 $1,096,831 5.78 % $23,975,693 $1,055,558 5.88 %
Investment securities(3) 5,259,513 144,372 3.66 % 5,307,436 146,147 3.67 %
Other interest-earning assets 1,001,295 30,833 4.11 % 698,727 24,919 4.76 %
Total Interest-Earning Assets 31,628,066 1,272,036 5.37 % 29,981,856 1,226,624 5.46 %
Noninterest-Earning assets:
Cash and due from banks 308,524 297,491
Premises and equipment 182,637 186,414
Other assets 1,954,038 1,850,254
Less: ACL - loans(4) (386,382) (383,776)
Total Assets $33,686,883 $31,932,239
LIABILITIES AND SHAREHOLDERS' EQUITY
---
Interest-Bearing liabilities:
Demand deposits $8,126,056 $94,782 1.56 % $7,810,681 $105,303 1.80 %
Savings deposits 9,176,718 145,884 2.13 % 8,195,790 140,800 2.30 %
Brokered deposits 852,146 24,908 3.91 % 761,952 25,222 4.43 %
Time deposits 4,425,284 112,729 3.41 % 4,112,258 118,998 3.87 %
Total Interest-Bearing Deposits 22,580,204 378,303 2.24 % 20,880,681 390,323 2.50 %
Borrowings and other interest-bearing
liabilities 1,557,497 44,505 3.82 % 1,691,351 52,830 4.18 %
Total Interest-Bearing Liabilities 24,137,701 422,808 2.34 % 22,572,032 443,153 2.62 %
Noninterest-Bearing liabilities:
Demand deposits 5,173,875 5,317,851
Other liabilities 660,987 735,460
Total Liabilities 29,972,563 28,625,343
Total Deposits 27,754,079 1.82 % 26,198,532 1.99 %
Total interest-bearing liabilities and
non-interest 29,311,576 1.93 % 27,889,883 2.12 %
bearing deposits (cost of funds)
Shareholders' equity 3,714,320 3,306,896
Total Liabilities and Shareholders' Equity $33,686,883 $31,932,239
Net interest income/net interest margin
(fully taxable 849,228 3.58 % 783,471 3.49 %
equivalent)
Tax equivalent adjustment (12,919) (13,166)
Net Interest Income $836,309 $770,305
(1) Presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances.
(2) Average balances include non-performing loans.
(3) Average balances include amortized historical cost for AFS; the related unrealized holding gains (losses) are included in
other assets.
(4) ACL -loans relates to the ACL for net loans and does not include the ACL related to OBS credit exposures, which is included
in other liabilities.
FULTON FINANCIAL CORPORATION
AVERAGE LOANS, DEPOSITS AND BORROWINGS DETAIL (UNAUDITED)
(dollars in thousands)
Nine months ended September 30,
2026 2025
Loans, by type:
Real estate -commercial
mortgage $10,573,385 $9,676,574
Commercial and industrial 4,571,800 4,543,967
Real estate -residential
mortgage 7,064,822 6,459,649
Real estate -home equity 1,286,802 1,177,209
Real estate -construction 935,413 1,197,159
Consumer 587,447 601,877
Leases and other loans(1) 347,589 319,258
Total Net Loans $25,367,258 $23,975,693
Deposits, by type:
Noninterest-bearing demand $5,173,875 $5,317,851
Interest-bearing demand 8,126,056 7,810,681
Savings 9,176,718 8,195,790
Total demand and savings 22,476,649 21,324,322
Brokered 852,146 761,952
Time 4,425,284 4,112,258
Total Deposits $27,754,079 $26,198,532
Borrowings, by type:
Federal funds purchased
$ - $366
Federal Home Loan Bank advances 312,758 634,370
Senior debt and subordinated
debt 449,361 367,438
Other borrowings and other
interest-bearing liabilities 795,378 689,177
Total Borrowings $1,557,497 $1,691,351
(1) Includes equipment lease financing, overdraft and net origination fees and costs.
FULTON FINANCIAL CORPORATION
ASSET QUALITY INFORMATION (UNAUDITED)
(dollars in thousands)
Three months ended Nine months ended
Sep 30 Jun 30 Mar 31 Dec 31 Sep 30 Sep 30 Sep 30
2026 2026 2026 2025 2025 2026 2025
Allowance for credit losses related to net loans:
---
Balance at beginning of period $382,580 $367,489 $364,462 $376,258 $377,337 $364,462 $379,156
Initial allowance for credit losses on
purchased loans 30,993 3,351 34,344
Loans charged off:
Real estate -commercial mortgage (5,839) (10,789) (4,102) (14,104) (3,906) (20,730) (22,414)
Commercial and industrial (2,107) (12,015) (10,545) (5,295) (5,847) (24,667) (15,492)
Real estate -residential mortgage (2,347) (121) (391) (58) (394) (2,859) (995)
Consumer and home equity (1,936) (2,119) (2,164) (2,212) (2,527) (6,219) (6,605)
Real estate -construction (5,286) (5,387)
Leases and other loans(1) (1,100) (966) (1,116) (1,140) (1,479) (3,180) (4,495)
Total loans charged off (13,329) (26,010) (18,318) (22,809) (19,439) (57,655) (55,388)
Recoveries of loans previously charged off:
Real estate -commercial mortgage 309 1,629 701 633 4,307 2,639 4,814
Commercial and industrial 2,566 1,280 740 6,592 3,205 4,586 11,785
Real estate -residential mortgage 170 197 72 230 33 439 410
Consumer and home equity 495 484 584 861 726 1,561 2,285
Real estate -construction 884 47 884 228
Leases and other loans(1) 332 404 429 146 192 1,165 633
Total recoveries of loans previously
charged off 3,872 3,994 3,410 8,462 8,510 11,274 20,155
Net loans charged off (9,457) (22,016) (14,908) (14,347) (10,929) (46,381) (35,233)
Provision for credit losses(2) 2,761 6,308 14,584 2,551 9,850 23,653 32,335
Other (249) (194) (443)
Balance at end of period $375,635 $382,580 $367,489 $364,462 $376,258 $375,635 $376,258
Net charge-offs to average loans
(3) 0.14 % 0.34 % 0.25 % 0.24 % 0.18 % 0.24 % 0.20 %
Provision for credit losses related to OBS Credit Exposures
---
Provision for credit losses(2) $1,298 $(1,411) $(142) $397 $395 $(256) $414
NON-PERFORMING ASSETS:
---
Non-accrual loans $136,053 $146,457 $142,035 $153,872 $150,137
Loans 90 days past due and accruing 37,710 34,815 33,816 29,924 48,597
Total non-performing loans 173,763 181,272 175,851 183,796 198,734
Other real estate owned 5,645 5,791 1,648 1,365 2,305
Total non-performing assets $179,408 $187,063 $177,499 $185,161 $201,039
NON-PERFORMING LOANS, BY TYPE:
---
Commercial and industrial $38,162 $39,466 $47,759 $47,756 $48,817
Real estate -commercial mortgage 62,779 66,445 64,890 74,981 87,789
Real estate -residential mortgage 54,771 56,821 47,826 45,569 44,689
Consumer and home equity 14,427 12,387 12,339 11,875 12,658
Real estate - construction 3,613 6,135 3,000 2,267 3,461
Leases and other loans(1) 11 18 37 1,348 1,320
Total non-performing loans $173,763 $181,272 $175,851 $183,796 $198,734
(1) Includes equipment lease financing, overdrafts and net origination fees and costs.
(2) The sum of these amounts are reflected in the provision for credit losses in the Condensed Consolidated Statements of Income.
(3) Quarterly results are annualized.
FULTON FINANCIAL CORPORATION
RECONCILIATION OF NON-GAAP MEASURES (UNAUDITED)
(dollars in thousands, except per share and share data)
Explanatory note: This press release contains supplemental financial information, as detailed below, that has been derived by
methods other than GAAP. The
Corporation has presented these non-GAAP financial measures because it believes that these measures provide
useful and comparative
information to assess trends in the Corporation's results of operations and financial condition. Presentation
of these non-GAAP financial
measures is consistent with how the Corporation evaluates its performance internally and these non-GAAP
financial measures are frequently
used by securities analysts, investors and other interested parties in the evaluation of companies in the
Corporation's industry. Management
believes that these non-GAAP financial measures, in addition to GAAP measures, are also useful to investors to
evaluate the Corporation's
results. Investors should recognize that the Corporation's presentation of these non-GAAP financial measures
might not be comparable to
similarly titled measures of other companies. These non-GAAP financial measures should not be considered a
substitute for GAAP basis
measures, and the Corporation strongly encourages a review of its condensed consolidated financial statements
in their entirety.
Reconciliations of these non-GAAP financial measures to the most directly comparable GAAP measure follow:
---
Three months ended
Sep 30 Jun 30 Mar 31 Dec 31 Sep 30
2026 2026 2026 2025 2025
Operating net income available to common shareholders
---
Net income available to common shareholders $114,095 $99,852 $92,199 $96,408 $97,892
Less: Other (1) (4,989) (738)
Plus: Core deposit intangible amortization 5,467 5,816 5,255 5,255 5,255
Plus: Acquisition-related expense 1,740 13,839 2,644 802
Plus: FDIC special assessment (95)
Plus: FultonFirst implementation and asset disposals 15 (189) 1,556 2,795 (207)
Plus: Debt extinguishment costs 787
Less: Tax impact of adjustments (1,517) (4,253) (1,985) (791) (905)
Operating net income available to common shareholders (numerator) $119,800 $115,852 $99,669 $99,385 $101,297
Weighted average shares (diluted) (denominator) 192,234 192,997 181,655 182,197 183,349
Operating net income available to common shareholders, per share $0.62 $0.60 $0.55 $0.55 $0.55
(diluted)
Common shareholders' equity (tangible), per share
---
Shareholders' equity $3,686,752 $3,815,813 $3,505,283 $3,490,447 $3,413,598
Less: Preferred stock (192,878) (192,878) (192,878) (192,878) (192,878)
Less: Goodwill and intangible assets (627,923) (633,485) (607,647) (612,996) (618,361)
Tangible common shareholders' equity (numerator) $2,865,951 $2,989,450 $2,704,758 $2,684,573 $2,602,359
Shares outstanding, end of period (denominator) 189,285 191,461 178,843 179,895 180,865
Common shareholders' equity (tangible), per share $15.14 $15.61 $15.12 $14.92 $14.39
(1) Includes loan recovery adjustments of $5.0 million and $0.6 million in the fourth quarter of 2025 and the third quarter of 2025, respectively, reflected in the
provision for credit losses related to a loan acquired in the Republic Transaction.
Three months ended
Sep 30 Jun 30 Mar 31 Dec 31 Sep 30
2026 2026 2026 2025 2025
Operating return on average assets
---
Net income $116,657 $102,414 $94,761 $98,970 $100,454
Less: Other (1) (4,989) (738)
Plus: Core deposit intangible amortization 5,467 5,816 5,255 5,255 5,255
Plus: Acquisition-related expense 1,740 13,839 2,644 802
Plus: FDIC special assessment (95)
Plus: FultonFirst implementation and asset disposals 15 (189) 1,556 2,795 (207)
Plus: Debt extinguishment costs 787
Less: Tax impact of adjustments (1,517) (4,253) (1,985) (791) (905)
Operating net income (numerator) $122,362 $118,414 $102,231 $101,947 $103,859
Total average assets $34,836,627 $34,193,608 $31,999,228 $32,013,163 $31,924,038
Less: Average net core deposit intangible (61,185) (66,665) (54,629) (60,726) (65,999)
Total operating average assets (denominator) $34,775,442 $34,126,943 $31,944,599 $31,952,437 $31,858,039
Operating return on average assets(2) 1.40 % 1.39 % 1.30 % 1.27 % 1.29 %
Operating return on average common shareholders' equity (tangible)
---
Net income available to common shareholders $114,095 $99,852 $92,199 $96,408 $97,892
Less: Other (1) (4,989) (738)
Plus: Intangible amortization 5,561 5,910 5,349 5,365 5,368
Plus: Acquisition-related expense 1,740 13,839 2,644 802
Plus: FDIC special assessment (95)
Plus: FultonFirst implementation and asset disposals 15 (189) 1,556 2,795 (207)
Plus: Debt extinguishment costs 787
Less: Tax impact of adjustments (1,536) (4,273) (2,005) (814) (929)
Adjusted net income available to common shareholders (numerator) $119,875 $115,926 $99,743 $99,472 $101,386
Average shareholders' equity $3,807,728 $3,788,421 $3,543,911 $3,464,539 $3,361,368
Less: Average preferred stock (192,878) (192,878) (192,878) (192,878) (192,878)
Less: Average goodwill and intangible assets (630,639) (635,278) (610,262) (615,600) (620,986)
Average tangible common shareholders' equity (denominator) $2,984,211 $2,960,265 $2,740,771 $2,656,061 $2,547,504
Operating return on average common shareholders' equity (tangible)(2) 15.94 % 15.71 % 14.76 % 14.86 % 15.79 %
Tangible common equity to tangible assets (TCE Ratio)
Shareholders' equity $3,686,752 $3,815,813 $3,505,283 $3,490,447 $3,413,598
Less: Preferred stock (192,878) (192,878) (192,878) (192,878) (192,878)
Less: Goodwill and intangible assets (627,923) (633,485) (607,647) (612,996) (618,361)
Tangible common shareholders' equity (numerator) $2,865,951 $2,989,450 $2,704,758 $2,684,573 $2,602,359
Total assets $34,775,370 $34,556,720 $32,237,438 $32,118,400 $31,995,086
Less: Goodwill and intangible assets (627,923) (633,485) (607,647) (612,996) (618,361)
Total tangible assets (denominator) $34,147,447 $33,923,235 $31,629,791 $31,505,404 $31,376,725
Tangible common equity to tangible assets 8.39 % 8.81 % 8.55 % 8.52 % 8.29 %
(1) Includes loan recovery adjustments of $5.0 million and $0.6 million in the fourth quarter of 2025 and the third quarter of 2025, respectively, reflected in the
provision for credit losses related to a loan acquired in the Republic Transaction.
(2) Results are annualized.
Three months ended
Sep 30 Jun 30 Mar 31 Dec 31 Sep 30
2026 2026 2026 2025 2025
Efficiency ratio
---
Non-interest expense $218,517 $230,954 $200,294 $212,986 $196,574
Less: Acquisition-related expense (1,740) (13,839) (2,644) (802)
Less: FDIC special assessment 95
Less: FultonFirst implementation and asset disposals (15) 189 (1,556) (2,795) 207
Less: Intangible amortization (5,561) (5,910) (5,349) (5,365) (5,368)
Less: Debt extinguishment costs (787)
Operating non-interest expense (numerator) $211,201 $210,607 $190,745 $204,119 $191,413
Net interest income $290,035 $284,252 $262,023 $266,042 $264,198
Tax equivalent adjustment 4,307 4,310 4,303 4,416 4,436
Plus: Total non-interest income 77,225 79,306 69,841 69,980 70,407
Less: Other revenue 11 (138)
Plus: Investment securities (gains) losses, net
Total revenue (denominator) $371,567 $367,868 $336,167 $340,449 $338,903
Efficiency ratio 56.8 % 57.3 % 56.7 % 60.0 % 56.5 %
Operating non-interest expense to total average assets
---
Non-interest expense $218,517 $230,954 $200,294 $212,986 $196,574
Less: Intangible amortization (5,561) (5,910) (5,349) (5,365) (5,368)
Less: Acquisition-related expense (1,740) (13,839) (2,644) (802)
Less: FDIC special assessment 95
Less: FultonFirst implementation and asset disposals (15) 189 (1,556) (2,795) 207
Less: Debt extinguishment costs (787)
Operating non-interest expense (numerator) $211,201 $210,607 $190,745 $204,119 $191,413
Total average assets (denominator) $34,836,627 $34,193,608 $31,999,228 $32,013,163 $31,924,038
Operating non-interest expenses to total average assets(1) 2.41 % 2.47 % 2.42 % 2.53 % 2.38 %
(1) Results are annualized.
Nine months ended
Sep 30 Sep 30
2026 2025
Operating net income available to common shareholders
---
Net income available to common shareholders $306,147 $284,953
Less: Other (1) (869)
Plus: Core deposit intangible amortization 16,537 16,756
Plus: Acquisition-related expense 18,223 380
Plus: FultonFirst implementation and asset disposals 1,382 (524)
Plus: Debt extinguishment costs 787
Less: Tax impact of adjustments (7,755) (3,306)
Operating net income available to common shareholders (numerator) $335,321 $297,390
Weighted average shares (diluted) (denominator) 188,977 183,718
Operating net income available to common shareholders, per share $1.77 $1.62
(diluted)
(1) Includes a loan recovery adjustment of $0.6 million for the nine months ended September 30, 2025, reflected in the provision for credit losses related to a
loan acquired in the Republic Transaction.
Media Contact: Lacey Dean (717) 735-8688
Investor Contact: Rick Kraemer (717) 327-2567
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SOURCE Fulton Financial Corporation
