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Form 8-K

sec.gov

8-K — FULTON FINANCIAL CORP

Accession: 0001552781-26-000274

Filed: 2026-04-27

Period: 2026-04-27

CIK: 0000700564

SIC: 6021 (NATIONAL COMMERCIAL BANKS)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — e26221_fult-8k.htm (Primary)

EX-99.1 (e26221_ex99-1.htm)

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UNITED STATES

SECURITIES

AND EXCHANGE COMMISSION

Washington,

D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to

Section 13 or 15(d)

of the Securities

Exchange Act of 1934

April 27,

2026

Date of Report

(Date of Earliest

Event Reported)

Fulton

Financial Corporation

(Exact Name

of Registrant as Specified in its Charter)

Pennsylvania

001-39680

23-2195389

(State or Other Jurisdiction of Incorporation)

(SEC Commission File Number)

(IRS Employer Identification Number)

One Penn Square, P.O. Box

4887 Lancaster, Pennsylvania

17604

(Address of Principal Executive Offices)

(Zip Code)

(717)

291-2411

(Registrant’s

telephone number, including area code)

Check

the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant

under any of the following provisions:

Written

communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

Soliciting

material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

Pre-commencement

communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

Pre-commencement

communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities

registered pursuant to Section 12(b) of the Act:

Title

of each class

Trading

Symbol(s)

Name

of each exchange on which registered

Common

Stock, par value $2.50 per share

FULT

The

Nasdaq Stock Market, LLC

Depositary

Shares, Each Representing 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series A

FULTP

The

Nasdaq Stock Market, LLC

Indicate

by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR

230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging

growth company ☐

If an

emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying

with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item

7.01     Regulation FD Disclosures

The attached presentation contains

information that the members of Fulton Financial Corporation (the “Registrant”) management will use during visits

with investors, analysts, and other interested parties to assist their understanding of the Registrant from time to time throughout

the first quarter of 2026.

A copy of the presentation is attached

as Exhibit 99.1 to this Current Report on Form 8-K and is being furnished under Item 7.01 hereof and shall not be deemed “filed”

for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject

to the liabilities of that section, and such information shall not be deemed incorporated by reference into any filing under the

Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such

filing.

Item

9.01    Financial Statements and Other Exhibits.

(d)

Exhibits.

Number

Description

99.1

Investor Presentation, dated April 27, 2026

104

Cover

Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements

of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned

hereunto duly authorized.

Fulton Financial Corporation

Date: April 27, 2026

By:

/s/ Richard S.

Kraemer

Richard S. Kraemer

Senior Executive Vice President and Chief Financial Officer

EX-99.1

EX-99.1

Filename: e26221_ex99-1.htm · Sequence: 2

Exhibit 99.1

Fulton Financial Corporation © 2026 Fulton Financial Corporation. All rights reserved. Fixed Income Presentation Data as of or for the period ended March 31,

2026, unless otherwise noted

© 2026 Fulton Financial Corporation. All rights reserved. Forward Looking Statements & Non-GAAP Disclaimers As used in this presentation,

the terms “Fulton", "the Company", "registrant", "we", "us", and "our" mean Fulton Financial Corporation and its subsidiaries, on

a consolidated basis, unless the context indicates otherwise. This presentation contains estimates, predictions, opinions, projections

and other "forward-looking statements" as that phrase is defined in the Private Securities Litigation Reform Act of 1995. Such statements

include, without limitation, references to the Company’s predictions or expectations of future business or financial performance

as well as its goals and objectives for future operations, financial and business trends, business prospects, and management's outlook

or expectations for earnings, revenues, expenses, capital levels, liquidity levels, asset quality or other future financial or business

performance, strategies, federal reserve projected actions, or expectations. The words “believe,” “expect,” “anticipate,”

“plan,” “estimate,” “target,” “project” and similar expression or the negative version

of such expressions, among others, generally identify forward-looking statements. Such forward-looking statements are based on various

assumptions (some of which may be beyond the Company's control) and are subject to significant risks and uncertainties (which change over

time) and other factors, including, but not limited to, volatile market conditions and uncertain economic trends in the United States

generally and in financial markets, particularly in the markets in which the Company operates and in which its loans are concentrated,

including potential recessionary and other unfavorable conditions and trends related to housing markets, costs of living, unemployment

levels, trade, monetary and fiscal policies, interest rates, supply chain issues, inflation, economic growth, the uncertain effects of

geopolitical instability, armed conflicts, public health crises, inflation, interest rates and actions taken in response thereto on our

business, results of operations, capital and liquidity, the possibility that revenue or expense synergies and other expected benefits

of the Company's acquisition ("the Transaction") of Blue Foundry Bancorp ("Blue Foundry"), including anticipated cost savings and strategic

gains, are not realized when expected or at all, including as a result of the impact of, or challenges arising from, the integration of

Blue Foundry into the Company or as a result of the strength of the economy, competitive factors in the areas where the Company and Blue

Foundry do business, or as a result of other unexpected factors or events; reputational risks and potential adverse reactions or changes

to business or employee relationships, including those resulting from the completion of the Transaction; diversion of management’s

attention and time from ongoing business operations and other opportunities on matters relating to the Transaction; unanticipated challenges

or delays in the integration of Blue Foundry’s business into the Company's business and/or the conversion of Blue Foundry’s

operating systems and customer data onto the Company’s, which could cause actual results to differ materially from those currently

anticipated. Such risks and uncertainties are discussed in detail in the Company’s Form 10-K for the year ended December 31, 2025

and other documents filed by the Company with the Securities and Exchange Commission (“SEC”) from time to time. We caution

readers not to place undue reliance on any such forward-looking statements, which speak only as of the date on which they are made, and

the Company disclaims any duty to revise or update any forward-looking statement, whether written or oral, that may be made from time

to time by or on behalf of the Company for any reason, except as specifically required by law. 2 Forward Looking Statements: This presentation

contains financial measures determined by methods other than in accordance with accounting principles generally accepted in the United

States (“GAAP”). The Company’s management believes that these non-GAAP financial measures provide a greater understanding

of ongoing operations, enhance comparability of results of operations with prior periods and show the effects of significant gains and

charges in the periods presented. The Company’s management believes these non-GAAP financial measures are useful measures for management

and investors to analyze the Company’s financial performance without the impact of unusual items or events that may obscure trends

in the Company’s underlying performance. You should not rely on these non-GAAP financial measures as a substitute for, or as superior

to, GAAP results. Non-GAAP financial measures have inherent limitations, are not uniformly applied and are not audited. Because non-GAAP

financial measures are not standardized, it may not be possible to compare these financial measures with other companies’ non-GAAP

financial measures having the same or similar names. For a reconciliation of these non-GAAP financial measures to their most directly

comparable GAAP measures, see the Appendix. Non-GAAP Financial Measures: This presentation has been prepared by the Company solely for

informational purposes and information contained herein constitutes confidential information and is provided to you on the condition that

you will hold it in strict confidence and not reproduce, disclose, forward or distribute it to any third party in whole or in part without

the prior written consent of the Company. This presentation is not an offer to sell securities and the Company is not soliciting an offer

to buy securities in any jurisdiction where such offer or sale is not permitted. Neither the SEC, Federal Deposit Insurance Corporation,

nor any state securities commission has approved or disapproved of the securities of the Company or passed upon the accuracy or adequacy

of this presentation. Any representation to the contrary is a criminal offense. The Company has filed a shelf registration statement (including

a base prospectus) (File No. 333-289488) with the SEC. Any offering of securities will be made only of a prospectus supplement and accompanying

prospectus filed with the SEC. In the event the Company proceeds with an offering, before you invest, you should read the prospectus in

that registration statement, the preliminary prospectus supplement and other documents the Company has filed with the SEC for more complete

information about the Company and any such offering. You may access these documents for free by visiting EDGAR on the SEC’s website

at www.sec.gov. Alternatively, the Company, any underwriter or any dealer participating in the offering will arrange to send you the prospectus

and the related preliminary prospectus supplement if you request it by contacting Piper Sandler & Co. toll-free at 866-805-4128 or

emailing fsg-dcm@psc.com or by calling J.P. Morgan Securities LLC at 212-834-4533. Certain information contained in this presentation

related to or is based on publications and other data obtained from third party sources. While the Company believes these third party

sources to be reliable as of the date of this presentation, the Company has not independently verified, and makes no representation as

to the adequacy, fairness, accuracy or completeness of, any information obtained from third party sources. The delivery of this presentation

shall not, under any circumstances, create any implication that there has been no change in the affairs of the Company after the date

hereof. Disclaimer: Preliminary Financial Information This presentation includes certain preliminary unaudited financial information and

expectations relating to the first quarter of 2026. Our full unaudited financial statements as of and for the three months ended March

31, 2026 are not yet available. In the opinion of management, such unaudited financial information includes all adjustments (consisting

of normal recurring adjustments) necessary for a fair presentation of our financial position and results of operations for such period.

These results are also subject to further revision based upon the review of our independent auditors of such quarterly results and an

audit by our independent auditors of our annual results for the year ended December 31, 2026. Therefore, no assurance can be given that,

upon completion of our review and the review of our independent auditors, we will not report materially different financial results than

those set forth in this presentation. We cannot assure you that such results will be indicative of our results for the entire year ending

December 31, 2026. Further, although this presentation describes the current estimated impact of our potential use of a portion of the

proceeds from this offering, any such actions will depend on a number of factors, including market conditions and business developments.

We are not required to apply any portion of the net proceeds of this offering for any particular purpose, and our management will have

broad discretion in allocating the net proceeds of the offering. We do not intend to update or otherwise revise these expected events

and estimates to reflect future events or changes in estimates and do not intend to disclose publicly whether our actual results will

vary from our estimates other than through the release of actual results in the ordinary course of business. No independent public accounting

firm has compiled, examined or performed any procedures with respect to the anticipated financial information contained above, nor have

they expressed any opinion or other form of assurance on such information or its achievability. These estimates should not be regarded

as a representation by us, our management or the underwriters as to our actual results for the first quarter. The assumptions and estimates

underlying the estimated financial information are inherently uncertain and are subject to a wide variety of significant business, economic

and competitive risks and uncertainties, including those described under “Risk Factors” and “Cautionary Note Regarding

Forward-Looking Statements” in our SEC filings. Accordingly, you should not place undue reliance on these estimates.

© 2026 Fulton Financial Corporation. All rights reserved. • $32 billion in assets, approximately 200 financial centers, 200

commercial sales professionals, 100mortgage loan officers, and more than 3,300 team members operating in a customer-dense Mid-Atlantic

market(1) • Market capitalization of ~$3.9 billion(2) • Current valuation(2) of 10.5x TTM diluted EPS of $2.10 and 1.2x BV (1.5x

TBV (3)) • Steady increase in shareholder value with a five-year TBV per share CAGR since Q1 ‘21, excluding AOCI(3), of 7.2%

• Ten-year CAGR in common dividendsof 7.8% (4) • 3.46%dividend yield(4) • $126 million remaining of a $150 million share

repurchase authorization(5) • Fulton completed the acquisition of Blue Foundry on April 1, 2026. Blue Foundry’s total assets

as of March 31, 2026 were $2.1 billion A Growing and Well-Positioned Franchise 3 (1) As of March 31, 2026. (2) Based on shares outstanding

of 178.8 million and closing price of $21.99 as of April 17, 2026. (3) As of March 31, 2026, TBV per share was $15.12. TBV and TBV per

share are non-GAAP financial measures. Please refer to the reconciliation on the slides titled “Non-GAAP Reconciliation” at

the end of this presentation. (4) Based on current quarterly common dividend of $0.19 per share and closing stock price of $21.62 per

share as of April 13, 2026, the future payment of dividends is not guaranteed and is subject to various factors, including approval by

the Company's board of directors (“the board”) and any applicable regulatory approvals. (5) Authorization expires January

31, 2027. Up to $25 million of the $150 million authorization may be used to repurchase the Company’s preferred stock or outstanding

subordinated notes. Future repurchases of securities are at the sole discretion of the board and there is no guarantee any repurchases

of shares will occur even with an authorized amount for repurchases. Map does not include Blue Foundry locations

© 2026 Fulton Financial Corporation. All rights reserved. A Balanced Business Model Delivering Strong Returns 4 • Non-interest

income as a percentage of revenue of approximately 21% as of March 31, 2026 • Wealth management accounts for approximately 1/3 of

total non-interest income, delivering a 9% 5-year TTM CAGR since Q1 ‘21, AUM/AUA of $17.1 billion and over 85% in recurring income

as of March 31, 2026 • Commercial banking businesses representing approximately 1/3 of total non-interest income as of March 31,

2026 • Fulton Mortgage Company caters to the new home purchase business with the ability to leverage refinance activity into gain

on sale revenue • A full-service commercial bank with robust treasury services, payment technology solutions, wealth management and

full-service mortgage company • Ongoinginvestment in technology, digitally enabling a growing customer base • Serving a diversified,

dense and economically stable market • Room to grow in existing markets and continue to penetrate both organically and inorganically

• Organic growth strategy supplemented by inorganic, in-market opportunities • Low bank-level CRE concentration (190%) as of

March 31, 2026 when historically compared to peers(1) • Reduced financial center infrastructure over the last ten years, driving

average deposits per financial center over $100 million • Completed $4.8 billion transaction in 2024, $930.6 million acquisition

in 2022, acquired five wealth management firms since 2018, and effective April 1, 2026, closed the Blue Foundry acquisition(2) •Operate

in a target-rich market with over 40 in-market banking institutions that fit our M&A criteria and strategy • 1Q26 operating diluted

EPS of $0.55(3) • Operating ROAA of 1.30%(3) in 1Q26 compared to 1.27%(3) in 4Q25 • 1Q26 operating ROATCE of 14.76%(3) compared

to 14.86%(3) in 4Q25 • Efficiency ratio of 56.7%(3) and 60.0%(3) in 1Q26 and 4Q25, respectively • 1Q26 NCOs to average loans

(annualized) of 25 bps; ACL to loans of 1.51% in addition to on-balance sheet purchase accounting marks Premier Franchise that Provides

Expanding andInnovative Solutions Robust Combination of Diversified Business Lines and Fee Income Businesses Dynamic Growth Strategy Blending

an Organic Engine with Inorganic Opportunities Attractive Risk-Adjusted Profitability and Returns (1) For a list of peers please see page

37 of the Company’s proxy statement dated April 1, 2026. (2) Blue Foundry’s total assets as of March 31, 2026 were $2.1 billion.

(3) Non-GAAP financial measure. Please refer to the reconciliation on the slides titled “Non-GAAP Reconciliation” at the end

of this presentation.

© 2026 Fulton Financial Corporation. All rights reserved. Robust and Scalable Product Suite 5 Commercial Banking Consumer Banking

Business Banking TreasuryManagement Wealth andTrust InternationalServices CapitalMarkets MortgageBanking •Significant technology

spend over the past six years •Focus on digital enablement as a driver of growth, efficiency and service Well positioned to compete

in and serve our market ROBUSTPRODUCTS AND SERVICES INDUSTRY-LEADINGTECHNOLOGYPLATFORMS NIMBLECOMPETITIVEPOSITION

© 2026 Fulton Financial Corporation. All rights reserved. A Community Bank Strategy, Operating on a Regional Scale 6 Execution of

our Strategic Objectives has provided us with long-term growth in customers, exceptional customer experience and enhanced operational

metrics, delivering results to our stakeholders Our Differentiator: Customer Intimacy

© 2026 Fulton Financial Corporation. All rights reserved. Fulton Financial Corporation Market Total MSA Market Rank FULT Total Branches

2025 FULT Total Deposits 2025 ($000) FULT Total Deposit Market Share 2025 (%) Branches #(1) Total Deposits ($000) Median Household Income

2026 ($)(1) 5-yr Cumulative Proj. Household Income Growth 2026-2031 (%)(1) 5-yr Cumulative Proj. Population Growth 2026-2031 (%) (1) Philadelphia-Camden-Wilmington,

PA-NJ-DE-MD 10 71 8,441,061 1.30 1,370 648,073,691 95,664 10.8 1.31 Lancaster, PA 1 20 5,016,989 28.40 153 17,665,841 87,966 8.4 1.34

New York-Newark-Jersey City, NY-NJ 83 38 3,289,658 0.08 4,251 3,959,534,441 105,148 11.4 1.21 Allentown-Bethlehem-Easton, PA-NJ 4 15 1,962,110

8.80 193 22,289,558 89,496 11.3 2.32 Baltimore-Columbia-Towson, MD 11 13 1,214,918 1.19 522 101,739,695 102,689 9.6 0.29 York-Hanover,

PA 3 7 1,190,576 12.49 90 9,534,965 87,779 8.5 2.90 Lebanon, PA 1 6 1,093,264 34.31 31 3,186,332 87,255 13.5 1.02 Harrisburg-Carlisle,

PA 6 6 1,012,075 5.02 140 20,154,811 87,082 10.8 3.08 Reading, PA 6 7 830,930 3.92 91 21,180,952 82,588 10.2 2.13 Hagerstown-Martinsburg,

MD-WV 3 4 629,938 11.04 70 5,706,649 83,522 12.7 4.97 Top 10 Fulton Financial Corporation MSAs(2) 187 24,681,519 0.51 6,911 4,809,066,935

93,364(3) 10.4(3) 1.6(3) Total Franchise 226 27,835,340 0.52 9,046 5,370,637,600 92,869(3) 10.3(3) 1.7(3) Well Positioned in Attractive

and Stable Markets 7 (1) Demographic data as of April 14, 2026. (2) Top 10 Company MSAs ranked by total deposits, descending. (3) Top

10 and total franchise projected household income growth and projected population growth reflects weighted average based on deposits.

Note: Deposit market share data as of June 30, 2025 annual FDIC survey. Source: S&P Capital IQ Pro.

© 2026 Fulton Financial Corporation. All rights reserved. Deep Executive Bench Providing Continuity at Fulton 8 Name Position Years

at Fulton Years in Financial Services Curt Myers Chairman, CEO & President 35 35 Rick Kraemer Chief Financial Officer 1 25 Meg Mueller

Chief Credit Executive 29 39 Andy Fiol Chief Banking Officer 8 23 Atul Malhotra Chief Risk Officer 10 24 Kevin Gremer Chief Operatings

and Technology Officer 1 28 John Glover Head of Commercial Banking 19 28 Josephine Mauriello Head of Consumer and Small Business 18 42

© 2026 Fulton Financial Corporation. All rights reserved. 1Q264Q251Q264Q25Net Income Available to Common Shareholders (dollars in

millions)$92.2$96.4$99.7$99.4ROAA (annualized)1.20%1.23%1.30%1.27%ROATCE (annualized)----14.76%14.86%Efficiency Ratio ----56.7%60.0%Non-Interest

Expense / Total Average Assets (annualized)2.54%2.64%2.42%2.53%Diluted EPS$0.51$0.53$0.55$0.55Operating PPNR ----$141.0$131.8Operating

PPNR / Average Assets ----1.79%1.64%GAAP ReportedOperating(1) First Quarter 2026 Financial Highlights 9 Focus: •Strong Balance Sheet

and Liquidity •Benefits Realization from Strategic Initiatives •Ongoing Commitment to Organizational Efficiency Productivity:

•Disciplined and Profitable Growth •Solid Operating Profitability Metrics •Operating Net Income Available to Common Shareholders(1)

of $99.7 million or $0.55 per Diluted Share (1) (1) All operating figures represent Non-GAAP financial data. Please refer to the reconciliations

on the slides titled “Non-GAAP Reconciliation” at the end of this presentation. Note: Dashes represent Non-GAAP data that

is not applicable to the GAAP Reported table.

© 2026 Fulton Financial Corporation. All rights reserved. 9.9%10.0%10.3%10.8%11.8%11.9%202120222023202420252026Q184.9%98.2%99.1%92.0%90.8%90.7%202120222023202420252026Q17.8%6.9%7.4%7.5%8.5%8.6%202120222023202420252026Q1

Consistent Balance Sheet Growth 10 Total Assets ($B) Total Deposits ($B) Gross Loans HFI ($B)$25.8$26.9$27.6$32.1$32.132.2(2)202120222023202420252026Q1

CET1 Ratio$21.6 $20.6 $21.5 $26.1 $26.6 $26.8 202120222023202420252026Q1$18.3 $20.3 $21.4 $24.0 $24.1 $24.3 202120222023202420252026Q1

Loan / Deposit Ratio Tang. Common Equity / Tang. Assets(3) (1) (1) Denotes FDIC-assisted transaction. (2) Total assets not shown pro forma

for acquisition of Blue Foundry which was completed on April 1, 2026. Blue Foundry’s total assets as of March 31, 2026 were $2.1

billion. (3) Non-GAAP financial measure. Please refer to the reconciliations on the slides titled “Non-GAAP Reconciliation”

at the end of this presentation.

© 2026 Fulton Financial Corporation. All rights reserved. Net Interest Income 11 •NIM was 3.58% in the first quarter of 2026,

decreasing one bps compared to the fourth quarter of 2025. •Loan yield of 5.70% decreased 12 bps during the first quarter of 2026

compared to the fourth quarter of 2025. •Total cost of deposits was 1.78% in the first quarter of 2026, an eight bps decrease compared

to the fourth quarter of 2025. Average Interest-Earning Assets and Yields Highlights Average Deposits and Borrowings & Other, Cost

of Deposits and Cost of Funds NII(1) and NIM (millions) (billions) (billions) (1) NII on a non-FTE basis using a 21% federal tax rate

and statutory interest expense disallowances.

© 2026 Fulton Financial Corporation. All rights reserved. Non-Interest Income Remains a Key Revenue Source at Over 20% of Total Revenue

12 Wealth Management AUM/AUA in excess of $17 billion as of March 31, 2026 Robust Commercial Fee Income Businesses Consistent Consumer

Fees Three months ended 3/31/26 Three months ended 3/31/26 Total Revenue Non-Interest Income Diversified Non-Interest Income in Complementary

Businesses Wealth management$24,496$23,879$22,639$22,281$21,785$617Commercial banking22,80624,11323,16523,43121,329(1,307)Consumer banking14,17615,44215,17414,52813,068(1,266)Mortgage

banking3,9553,6363,7113,9913,138319Other4,4082,9105,7184,9177,9141,498Non-interest income before investment securities gains (losses)$69,841$69,980$70,407$69,148$67,234($139)Investment

securities gains (losses), net––––(2)–Total Non-Interest Income$69,841$69,980$70,407$69,148$67,232($139)

Change Since 4Q251Q26(dollars in thousands)4Q253Q252Q251Q25

© 2026 Fulton Financial Corporation. All rights reserved. Material and Consistent Fee Income, Robust Suite of Commercial and Consumer

Services 13 Repeatable Income Stream; Analytics-Based Cross-Sell Opportunity Optimized Account Framework and Exception Process; Multi-Channel

Distribution Strategy Robust Back-to-Back Swap Program Serves Commercial Customers Financial Center Network and Loyal Customer Base Drive

Consumer Fees Merchant and Card Income Cash Management Capital Markets Consumer Fees Commercial Non-Interest Income Consumer Non-Interest

Income(2) (thousands) (thousands) (1) (1) (1) TTM through March 31, 2026 (2) Does not include gain on sale from residential mortgages.

© 2026 Fulton Financial Corporation. All rights reserved. Mature and Growing Wealth Management Businesses, Consistent Non-Interest

Income and Diversified Client Base Delivering Solid Results(1) 14 Over 85% Recurring Income Client and Market Aligned Growth $93.3 Million

TTM(3) Non-Interest Income represents a CAGR since Q1 ‘21 of 9% Five Wealth Management Acquisitions Since 2018 Organic and Analytics

Based Growth Strategy Wealth Management AUM/AUA(2) (billions) (1) Wealth Management revenue does not include NII. (2) AUM and AUA are

ending market values for the periods ended December 31, 2020 to March 31, 2026. (3) TTM through March 31, 2026 Wealth Management income.

© 2026 Fulton Financial Corporation. All rights reserved. Salaries and employee benefits$109,917$121,632$111,265$107,123$103,526($11,715)Data

processing and software18,66219,69518,53518,26218,599(1,033)Net occupancy18,22917,55415,95416,41018,207675Other outside services12,75013,10512,95112,00911,837(355)Intangible

amortization5,3495,3655,3685,4606,269(16)FDIC insurance4,2494,5405,0894,9515,597(291)Equipment3,9244,0013,9264,1004,150(77)Professional

fees2,2392,0882,3202,163(1,078)151Acquisition-related expenses2,644802––3801,842Other22,33124,20421,16622,33321,973(1,873)Total

non-interest expense$200,294$212,986$196,574$192,811$189,460($12,692)Non-GAAP adjustments:Less: Intangible amortization(5,349)(5,365)(5,368)(5,460)(6,269)16Less:

Acquisition-related expenses(2,644)(802)––(380)(1,842)Less: FDIC special assessment–95–––(95)Less:

FultonFirst implementation and asset disposals(1,556)(2,795)207270471,239Operating non-interest expense(1)$190,745$204,119$191,413$187,621$182,858($13,374)(dollars

in thousands)1Q264Q253Q252Q251Q25 Change Since 4Q25 Efficiency Ratio(1) Disciplined Management of Non-Interest Expense Drives Earnings

15 • Salaries and employee benefits expense decreased primarily due to a decrease in incentive compensation expense in the first

quarter of 2026 Highlights (1) Non-GAAP financial measure. Please refer to the reconciliation on the slides titled “Non-GAAP Reconciliation”

at the end of this presentation. With respect to Operating non-interest expense, calculation and reconciliation to GAAP measure is included

on this slide.

© 2026 Fulton Financial Corporation. All rights reserved. A Diversified Loan Portfolio with Growth in Multiple Categories 16 Loan

Mix By Product(1) Highlights • The loan portfolio has grown $5.4 billion since 2020 •A balanced loan mix enhanced by 2022 and

2023 adjustable-rate mortgage growth outpacing other categories •Commercial mortgages remain a stable percentage of the mix Commercial

Mortgage Non-Owner Occupied Portfolio 16 (billions) (1) Loan mix by product is based on ending balances for the periods ended December

31, 2020 to March 31, 2026. The C&I category includes Paycheck Protection Program loan growth and forgiveness. The Construction category

includes residential and commercial construction loans. The Commercial Mortgage category includes both owner and non-owner occupied loans.

© 2026 Fulton Financial Corporation. All rights reserved. Asset Quality 17 NPAs and NPAs / Assets (1) Provision for Credit Losses

ACL(2) / NPLs and ACL / Loans NCOs and NCOs / Average Loans (millions) (millions) (millions) (1) NPAs include accruing loans past due

90 days or more (2) The ACL relates specifically to “Loans, net of unearned income” and does not include reserves related

to off-balance sheet credit exposures.

© 2026 Fulton Financial Corporation. All rights reserved. A Deposit Portfolio That Is Granular, Tenured and Diversified With Significant

Liquidity Coverage 18 Deposit Mix By Product(1) Highlights(2) • 878,495 deposit accounts •$30,919 average account balance •Average

account age of ~ten years •24% net estimated uninsured deposits •281% coverage of net estimated uninsured deposits Q1 ‘26

Deposit Mix By Customer 18 (billions) (1) Deposit mix by product is based on ending balances for the periods ended December 31, 2020 to

March 31, 2026. (2) As of March 31, 2026. Estimated uninsured deposits net of collateralized municipal deposits and inter-company deposits.

© 2026 Fulton Financial Corporation. All rights reserved. Investment Portfolio and Liquidity Review 19 High-Quality Investment Portfolio

Provides Consistent Cash Flows and Borrowing Capacity Resi. MBS35%CMOs12%Comm. MBS53% HTM Portfolio at Amortized Cost as of March 31,

2026Resi. MBS22%CMOs31%Comm. MBS17%State & Muni.24%Corporate Bonds6% AFS Portfolio at Fair Value as of March 31, 2026 At March 31,

2026, Fulton’s securities portfolio totaled $4.7 Billion: •$1.4 Billion, or 30%, of held-to-maturity securities •$3.3

Billion, or 70%, of available for sale securities Fulton’s securities portfolio yielded 3.58% for the quarter ended March 31, 2026

•Investment securities carried at $0.5 billion were pledged as collateral to secure public and trust deposits. •Reported AOCI

improved $49.7 million or 18.2% since Q1 ‘25 Portfolio Highlights as of March 31, 2026 $3.3 BN $1.4 BN Liquidity Review (1) Subordinated

notes exclude unamortized discounts and issuance costs. (2) Includes repurchase agreements, short-term promissory notes, capital leases

and collateral liabilities. (3) Shown net of outstanding advances and lines of credit. (4) Represents a weighted average of total borrowings

and brokered deposits. Outstanding Avg. Rate Available Three Months Ended March 31, 2026 (thousands) (%) (thousands) Brokered Deposits

$856,823 3.89% $4,187,657 FHLB advances 221,039 3.99 7,444,443(3) Federal reserve capacity -- -- 3,708,815 Fed funds lines -- -- 2,576,000

Subordinated debt due 2030(1) 195,000 5.98 -- Subordinated debt due 2035(1) 175,000 3.75 -- Other borrowings(2) 770,395 2.84 -- Total

borrowings and brokered deposits $2,218,257 3.69%(4) $17,916,914

© 2026 Fulton Financial Corporation. All rights reserved. Internal Capital Generation Enhancing Capital Ratios(1) 20 (5) (millions)

•Increased regulatory capital ratios provide operational and strategic flexibility •Tangible common shareholders’ equity(2)

increased from Q4 ‘25 to Q1 ‘26 by $20 million •AOCI of ($222) million at March 31, 2026 •Current common stock dividend

of $0.19(3) •$126 million remaining share repurchase authorization in place through January 31, 2027(4) Highlights As of March 31,

2026 (1) Regulatory capital ratios and excess capital amounts as of March 31, 2026 are preliminary estimates. (2) Non-GAAP financial measure.

Please refer to the reconciliation on the slides titled “Non-GAAP Reconciliation” at the end of this presentation. (3) The

future payment of dividends is not guaranteed and is subject to various factors, including approval by the board. (4) Up to $25 million

of the $150 million authorization may be used to repurchase the Corporation’s preferred stock or outstanding subordinated notes.

Future repurchases of securities are at the sole discretion of the board and there is no guarantee any repurchases of shares will occur

even with an authorized amount for repurchases. (5) Excesses shown are to regulatory minimums, including the 250 bps capital conservation

buffer, except for Tier 1 Leverage which is the well-capitalized minimum.

© 2026 Fulton Financial Corporation. All rights reserved. Historical Double Leverage & Interest Coverage 21 For the Twelve Months

EndedThree Months Ended($ in thousands)12/31/202312/31/202412/31/20253/31/2026Double LeverageInvestments in Subsidiaries$2,836,602$3,357,022$3,582,235$3,586,880Total

Shareholders' Equity 2,760,1393,197,3253,490,4473,505,283Double Leverage Ratio102.8%105.0%102.6%102.3%Interest CoverageTotal Deposit Interest$292,205$521,859$514,693$115,805Borrowing

Interest126,745100,01265,83412,228Total Interest Expense418,950621,871580,527128,033Income Before Income Taxes$348,721$344,629$485,586$117,128Interest

Coverage (including deposit expense)1.83x1.55x1.84x1.91xInterest Coverage (excluding deposit expense)3.75x4.45x8.38x10.58x

© 2026 Fulton Financial Corporation. All rights reserved. APPENDIX 22

© 2026 Fulton Financial Corporation. All rights reserved. We Do What is Right - Corporate Social Responsibility 23 • Our most

recent Corporate Social Responsibility Report with key metrics is available at fultonbank.com/about-fulton-bank. • Integrity is fundamental

to governance at Fulton. The Company’s established Board governance and oversight support management’s efforts to build maturity

and capability that drives impact. • The Climate Impact Working Group underscores the Company’s commitment to progressing its

understanding of, and reporting on, climate-related risks and activities. PROTECTING THE ENVIRONMENT Environment The Company is committed

to practicing environmental stewardship in its everyday operations. Operational measures like waste reduction and smart energy use, as

well as financing sustainable projects, are core to these efforts. CORPORATE GOVERNANCE Governance Core values and guiding behavior lead

the Company to demonstrate the highest professional and ethical standards in all business activities. The Company operates under a robust

board- and management-level enterprise risk management structure. CHANGING LIVES FOR THE BETTER Employees The Company is committed to

creating a workforce culture that is welcoming, engaging and inclusive.CustomersFulton Bank has a proven track record of fair and responsible

banking – rated “Outstanding” for Community Reinvestment Act performance. Community Employees live and work in the communities

we serve and want to see these communities thrive. Through the “Fulton Forward® initiative, the Company gives back by paying

it forward. READ THE REPORT

© 2026 Fulton Financial Corporation. All rights reserved. Fixed Rate Asset Repricing(1) Coupled With a Premier Deposit Franchise

Drives a Neutral Interest Rate Risk Profile 24 Interest Earning Assets 24 (March 31, 2026) Interest-Bearing Liabilities(3) (March 31,

2026) Variable Rate Loans Non-maturity Deposits Fixed and Adjustable Asset Repricing Schedule (millions) (millions) (millions) (millions)

Time Deposits and Borrowings Repricing Schedule (2) (March 31, 2026) (March 31, 2026) (1) “Repricing” includes contractual

repricing of adjustable-rate loans, plus estimated cashflows and maturities of fixed rate assets and liabilities assumed within the time

frames presented. (2) Other includes non-accrual loan balances, fair value purchase accounting marks and net origination fees and costs.

(3) Time Deposits include brokered CDs.

© 2026 Fulton Financial Corporation. All rights reserved. Glossary of Terms 25 Term/Acronym Defined As ACL Allowance for credit losses

AOCI Accumulated other comprehensive income AUM Assets under management AUA Assets under administration CAGR Compound annual growth rate

CD Certificate of deposit CDI Core deposit intangible CET1 Common equity tier 1 capital CRE Commercial real estate EPS Earnings per share

FDIC Federal Deposit Insurance Corporation FTE Fully taxable-equivalent Fulton or the Corporation Fulton Financial Corporation GAAP Generally

accepted accounting principles M&A Mergers and acquisitions Term/Acronym Defined As NCO Net charge-off NII Net Interest Income NIM

Net interest margin NPA Non-performing asset NPL Non-performing loan PPNR Pre-provision net revenue ROAA Return on average assets ROAE

Return on average common shareholders’ equity ROATCE Return on average tangible common equity SEC U.S. Securities and Exchange Commission

TBV Tangible book value TCE/TA Tangible common equity / tangible assets TRBC Total risk-based capital TTM Trailing twelve months

© 2026 Fulton Financial Corporation. All rights reserved. NON-GAAP RECONCILIATION 26

© 2026 Fulton Financial Corporation. All rights reserved. Three months ended(dollars in thousands, except per share data)Mar 31Dec

3120262025Operating net income available to common shareholdersNet income available to common shareholders92,199$ 96,408$ Less: Other(1)-

(4,989) Plus: CDI amortization5,255 5,255 Plus: Acquisition-related expense2,644 802 Plus: FDIC special assessment- (95) Plus: FultonFirst

implementation and asset disposals1,556 2,795 Less: Tax impact of adjustments(1,985) (791) Operating net income available to common shareholders

(numerator)99,669$ 99,385$ Weighted average shares (diluted) (denominator)181,665 182,197 Operating earnings per share (diluted)0.55$

0.55$ Non-GAAP Reconciliation 27 (1) Includes loan recovery adjustments of $5.0 million in the fourth quarter of 2025 reflected in the

provision for credit losses related to a loan acquired in the Republic First Bank acquisition.

© 2026 Fulton Financial Corporation. All rights reserved. (dollars in thousands)Mar 31Dec 31Dec 31Dec 31Dec 31Dec 31202620252024202320222021Tangible

Common Shareholders' EquityShareholders equity3,505,283$ 3,490,447$ 3,197,325$ 2,760,139$ 2,579,757$ 2,712,680$ Less: Preferred Stock(192,878)(192,878)(192,878)(192,878)(192,878)(192,878)Less:

Goodwill and intangible assets(607,647)(612,996)(635,458)(560,687)(560,824)(538,053)Tangible Common Shareholders' Equity2,704,758$ 2,684,573$

2,368,989$ 2,006,574$ 1,826,055$ 1,981,749$ Tangible AssetsTotal Assets32,237,438$ 32,118,400$ 32,071,810$ 27,571,915$ 26,931,702$ 25,796,398$

Less: Goodwill and intangible assets(607,647)(612,996)(635,458)(560,687)(560,824)(538,053)Tangible Assets31,629,791$ 31,505,404$ 31,436,352$

27,011,228$ 26,370,878$ 25,258,345$ Tangible Common Equity / Tangible Assets8.6%8.5%7.5%7.4%6.9%7.8% Non-GAAP Reconciliation 28

© 2026 Fulton Financial Corporation. All rights reserved. Three months ended(dollars in thousands)Mar 31Dec 3120262025Operating ROAA(1)Net

income94,761$ 98,970$ Less: Other(2)- (4,989) Plus: CDI amortization5,255 5,255 Plus: Acquisition-related expense2,644 802 Plus: FDIC

special assessment- (95) Plus: FultonFirst implementation and asset disposals1,556 2,795 Less: Tax impact of adjustments(1,985) (791)

Operating net income (numerator)102,231$ 101,947$ Total average assets31,999,228$ 32,013,163$ Less: Average net CDI(54,629) (60,726) Total

operating average assets (denominator)31,944,599$ 31,952,437$ Operating ROAA1.30%1.27% Non-GAAP Reconciliation 29 (1) Annualized. (2)

Includes loan recovery adjustments of approximately $5.0 million in the fourth quarter of 2025 reflected in the provision for credit losses

related to a loan acquired in the Republic First Bank acquisition.

© 2026 Fulton Financial Corporation. All rights reserved. Three months ended(dollars in thousands)Mar 31Dec 3120262025Operating ROATCE(1)Net

income available to common shareholders92,199$ 96,408$ Less: Other(2)- (4,989) Plus: Intangible amortization5,349 5,365 Plus: Acquisition-related

expense2,644 802 Plus: FDIC special assessment- (95) Plus: FultonFirst implementation and asset disposals1,556 2,795 Less: Tax impact

of adjustments(2,005) (814) Adjusted net income available to common shareholders (numerator)99,743$ 99,472$ Average shareholders' equity3,543,911$

3,464,539$ Less: Average preferred stock(192,878) (192,878) Less: Average goodwill and intangible assets(610,262) (615,600) Average tangible

common shareholders' equity (denominator)2,740,771$ 2,656,061$ Operating ROATCE14.76%14.86% Non-GAAP Reconciliation 30 (1) Annualized.

(2) Includes loan recovery adjustments of approximately $5.0 million in the fourth quarter of 2025 reflected in the provision for credit

losses related to a loan acquired in the Republic First Bank acquisition.

© 2026 Fulton Financial Corporation. All rights reserved. Three months ended(dollars in thousands)Mar 31Dec 3120262025Operating non-interest

expense to total average assets(1)Non-interest expense200,294$ 212,986$ Less: Intangible amortization(5,349) (5,365) Less: Acquisition-related

expense(2,644) (802) Less: FDIC special assessment- 95 Less: FultonFirst implementation and asset disposals(1,556) (2,795) Operating non-interest

expense (numerator)190,745$ 204,119$ Total average assets (denominator)31,999,228$ 32,013,163$ Operating non-interest expense to total

average assets2.42%2.53% Non-GAAP Reconciliation 31 (1) Annualized.

© 2026 Fulton Financial Corporation. All rights reserved. Three months ended(dollars in thousands)Mar 31Dec 3120262025Operating PPNR

to average assets(1)NII262,023$ 266,042$ Plus: Non-interest income69,841 69,980 Less: Non-interest expense(200,294) (212,985) Plus: Other

revenue- 11 Plus: CDI amortization5,255 5,255 Plus: Acquisition-related expense2,644 802 Plus: FDIC special assessment- (95) Plus: FultonFirst

implementation and asset disposals1,556 2,795 Operating PPNR (numerator)141,025$ 131,805$ Total average assets31,999,228$ 32,013,163$

Less: Average net core deposit intangible(54,629) (60,726) Average assets (denominator)31,944,599$ 31,952,437$ Operating PPNR to average

assets1.79%1.64% Non-GAAP Reconciliation 32 (1) Annualized.

© 2026 Fulton Financial Corporation. All rights reserved. Three months ended(dollars in thousands)Mar 31Dec 31Sep 30Jun 30Mar 3120262025202520252025Efficiency

ratioNon-interest expense200,294$ 212,986$ 196,574$ 192,811$ 189,460$ Less: Acquisition-related expense(2,644) (802) - - (380) Less: FDIC

special assessment- 95 - - - Less: FultonFirst implementation and asset disposals(1,556) (2,795) 207 270 47 Less: Intangible amortization(5,349)

(5,365) (5,368) (5,460) (6,269) Operating non-interest expense (numerator)190,745$ 204,119$ 191,413$ 187,621$ 182,858$ NII262,023$ 266,042$

264,198$ 254,921$ 251,187$ Plus: Tax equivalent adjustment4,302 4,416 4,436 4,389 4,340 Plus: Total non-interest income69,841 69,980 70,407

69,148 67,232 Plus: Other revenue- 11 (138) (9) (122) Plus: Investment securities (gains) losses, net- - - - 2 Total revenue (denominator)336,166$

340,449$ 338,903$ 328,449$ 322,639$ Efficiency ratio56.7%60.0%56.5%57.1%56.7% Non-GAAP Reconciliation 33

© 2026 Fulton Financial Corporation. All rights reserved. As of(dollars in thousands)Mar 31Dec 3120262025Tangible common shareholders'

equityShareholders' equity3,505,283$ 3,490,447$ Less: Preferred stock(192,878) (192,878) Less: Goodwill and intangible assets(607,647)

(612,996) Tangible common shareholders' equity2,704,758$ 2,684,573$ Non-GAAP Reconciliation 34

© 2026 Fulton Financial Corporation. All rights reserved. Three months ended(dollars in thousands, except per share data)Mar 31Mar

3120262021TBV per shareShareholders' equity3,505,283$ 2,629,655$ Less: Preferred stock(192,878) (192,878) Less: Goodwill and intangible

assets(607,647) (536,544) Tangible common shareholders' equity (numerator)2,704,758$ 1,900,233$ Shares outstanding, end of period (denominator)178,843

162,517 TBV per share15.12$ 11.69$ Book value per share18.52$ 14.99$ TBV per share excluding AOCIShareholders' equity3,505,283$ 2,629,655$

Less: Preferred stock(192,878) (192,878) Less: Goodwill and intangible assets(607,647) (536,544) Tangible common shareholders' equity2,704,758$

1,900,233$ Less: AOCI(221,887) 25,838 Tangible common shareholders' equity excluding AOCI2,926,645$ 1,874,395$ Shares outstanding, end

of period (denominator)178,843 162,517 TBV per share excluding AOCI16.36$ 11.53$ Non-GAAP Reconciliation 35

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Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

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Data Type:

dei:fileNumberItemType

Balance Type:

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Period Type:

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X

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

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- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

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- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

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Period Type:

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- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

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Namespace Prefix:

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Data Type:

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Period Type:

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

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Namespace Prefix:

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Data Type:

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- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

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Data Type:

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- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

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Data Type:

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Period Type:

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X

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

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Data Type:

xbrli:booleanItemType

Balance Type:

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Period Type:

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X

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

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Period Type:

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X

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

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- Details

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