Fulton Financial Corporation (FULT)

Fulton Financial Corporation Announces Pricing of Subordinated Notes OfferingMay 1, 2026 5:17 PM
PR Newswire (US)

LANCASTER, Pa., May 1, 2026 /PRNewswire/ -- Fulton Financial Corporation (Nasdaq: FULT) ("Fulton") today announced the pricing of its underwritten public offering of $300 million aggregate principal amount of its Fixed-to-Floating Rate Subordinated Notes due 2036 (the "Notes"). The Notes will bear interest from and including May 5, 2026 to, but excluding, May 15, 2031, at a fixed rate of 5.950% per annum, payable semi-annually in arrears. From and including May 15, 2031 to, but excluding, May 15, 2036 (unless redeemed prior to such date), the Notes will bear interest at a floating rate per annum equal to the Three-Month Term SOFR, plus 217 basis points, payable quarterly in arrears.







The Notes may be redeemed, at the option of Fulton, beginning on May 15, 2031, and on any date thereafter, in whole or in part, at a redemption price equal to 100% of the principal amount of the Notes to be redeemed, plus accrued and unpaid interest to, but excluding, the date of redemption.Fulton intends to use the net proceeds from this offering to repay $195 million aggregate principal amount of its outstanding 3.250% Fixed-to-Floating Rate Subordinated Notes due 2030 and for general corporate purposes. The offering is expected to close on or about May 5, 2026, subject to customary closing conditions.Piper Sandler and J.P. Morgan acted as joint book-running managers in the Notes offering.The Notes are being offered pursuant to an effective registration statement (File No. 333-289488) which Fulton filed with the Securities and Exchange Commission (the "SEC") by means of a prospectus supplement and accompanying base prospectus.Copies of the prospectus supplement and accompanying base prospectus relating to the offering of the Notes can be obtained without charge by visiting the SEC's website at www.sec.gov, or may be obtained from: Piper Sandler & Co., at 1251 Avenue of the Americas, 6th Floor, New York, New York 10020, Attn: Syndicate Operations, by email at

Fulton Financial Corporation Announces First Quarter 2026 ResultsApril 22, 2026 4:45 PM
PR Newswire (US)

LANCASTER, Pa., April 22, 2026 /PRNewswire/ -- Fulton Financial Corporation (NASDAQ: FULT) ("Fulton" or the "Corporation") reported net income available to common shareholders of $92.2 million, or $0.51 per diluted share, for the first quarter of 2026, a decrease of $4.2 million in comparison to the fourth quarter of 2025. Operating net income available to common shareholders for the three months ended March 31, 2026 was $99.7 million(1), or $0.55 per diluted share(1), an increase of $0.3 million in comparison to the fourth quarter of 2025.








"Our first quarter results reflect steady, solid profitability driven by disciplined execution of our strategy," said Fulton Chairman, CEO, and President, Curtis J. Myers. "The Blue Foundry Bancorp acquisition expands our presence in northern New Jersey and meaningfully advances our business objectives. We are pleased to welcome Blue Foundry Bank's team members and customers to Fulton. Our focus now turns to a seamless integration, a smooth customer transition, and the continued delivery of positive operating leverage and successful strategic outcomes."Financial HighlightsFirst quarter of 2026 operating results of $0.55 per diluted share(1) were impacted by the following items:Net interest margin remained solid at 3.58%, representing a one basis point decline from the prior quarter.Non-interest income decreased $0.1 million to $69.8 million compared to $70.0 million in the prior quarter.Non-interest expense decreased $12.7 million to $200.3 million compared to $213.0 million in the prior quarter. Operating non-interest expense decreased $13.4 million to $190.7 million(1) compared to $204.1 million in the prior quarter.Provision for credit losses was $14.4 million resulting in an allowance for credit losses attributable to net loans of $367.5 million, or 1.51% of total net loans as of March 31, 2026.Common equity tier 1 capital ratio(2) increased to approximately 11.9% compared to 11.8% in the prior quarter.During the first quarter of 2026, 1,212,650 shares of the Corporation's common stock were repurchased under the 2026 Repurchase Program(3) at a cost of $24.5 million or an average of $20.21 per share.The following items highlight notable changes in the components of net income in the first quarter of 2026 compared to the fourth quarter of 2025:Net interest income decreased $4.0 million to $262.0 million. A $10.1 million decrease in interest income on net loans and a $2.2 million decrease in interest income on investment securities were partially offset by an $8.6 million decrease in interest expense on deposits. Purchase loan mark accretion from loans acquired in the Republic Acquisition(4) was $10.3 million in the first quarter of 2026 compared to $10.5 million in the prior quarter.Non-interest income before investment securities gains (losses) was $69.8 million compared to $70.0 million in the prior quarter. The $0.1 million decrease was primarily due to decreases of     $1.3 million in commercial banking fee income and $1.3 million in consumer banking fee income mainly attributable to two less days in the first quarter and seasonality, partially offset by a $1.3 million increase in income from equity method investments, reflected in other income, and a $0.6 million increase in wealth management revenues.Non-interest expense was $200.3 million compared to $213.0 million in the prior quarter. The $12.7 million decrease in non-interest expense was primarily due to a $11.7 million decrease in salaries and employee benefits expense primarily due to a $11.3 million decrease in incentive compensation expense. Acquisition-related expense associated with the Blue Foundry Bancorp transaction(5) was $2.6 million compared to $0.8 million in the prior quarter.Balance Sheet SummaryTotal net loans increased $121.5 million to $24.3 billion compared to $24.1 billion as of December 31, 2025. The increase was primarily due to increases of $78.7 million in consumer loans(6) and $42.7 million in commercial loans(6) which included an opportunistic purchase of an in-market commercial loan portfolio.Deposits totaled $26.8 billion, a $178.9 million increase compared to $26.6 billion as of December 31, 2025. The increase was primarily due to increases of $362.4 million in savings deposits and $78.8 million in noninterest-bearing demand deposits, partially offset by decreases of $146.5 million in interest-bearing demand deposits and $139.2 million in brokered deposits.Provision for Credit Losses and Asset QualityThe provision for credit losses totaled $14.4 million in the first quarter of 2026, resulting in a  $367.5 million allowance for credit losses attributable to net loans, or 1.51% of total net loans as of March 31, 2026, compared to $364.5 million, or 1.51% of total net loans as of December 31, 2025.Non-performing assets were $177.5 million, or 0.55% of total assets, as of March 31, 2026, in comparison to $185.2 million, or 0.58% of total assets, as of December 31, 2025.Annualized net charge-offs for the first quarter of 2026 were 0.25% of total average loans in comparison to 0.24% in the prior quarter.Additional information on Fulton is available on the Internet 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 March 31, 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, outstanding subordinated notes due 2030 or outstanding subordinated notes due 2035. 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, the Corporation announced that its wholly owned banking subsidiary, 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 Acquisition"), 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 November 24, 2025, the Corporation announced that it had entered into an Agreement and Plan of Merger (the "Merger Agreement") by and between the Corporation and Blue Foundry Bancorp, a Delaware corporation ("Blue Foundry"), pursuant to which, upon the terms and subject to the conditions set forth in the Merger Agreement, (i) Blue Foundry will merge with and into the Corporation (the "Merger"), with the Corporation surviving the Merger and (ii) following the Merger, Blue Foundry Bank, a New Jersey-chartered stock savings bank and wholly owned subsidiary of Blue Foundry, will merge with and into Fulton Bank, a national banking association and wholly owned subsidiary of the Corporation, with Fulton Bank continuing as the surviving bank. Effective April 1, 2026, the Corporation completed the Merger. Following the Merger, Blue Foundry Bank will operate as a separate, wholly owned subsidiary of the Corporation until Blue Foundry Bank merges with and into Fulton Bank, which is expected to occur during the summer of 2026 around the time of systems conversion.

(6) Commercial loans include real estate - commercial mortgage, commercial and industrial, leases and other loans and includes a decrease in commercial construction loans of $96.1 million, reflected in real estate - construction. Consumer loans include real estate - residential mortgage, real estate - home equity, consumer and includes an increase of $2.3 million in residential construction loans, reflected in real estate - construction.



Note: Some numbers contained in this document may not sum due to rounding.Safe Harbor StatementThis press release may contain forward-looking statements with respect to the Corporation's financial condition, results of operations and business. Do not unduly rely on forward-looking statements. Forward-looking statements 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, future 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.A discussion of certain risks and uncertainties affecting the Corporation, and some of the factors that could cause the Corporation's actual results to differ materially from those described in the forward-looking statements, can be found in 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 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 MeasuresThe 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
Mar 31
Dec 31
Sep 30
Jun 30
Mar 31
2026
2025
2025
2025
2025Ending Balances








Investment securities(1)$  4,861,967
$  4,833,744
$  5,045,270
$  5,093,027
$  5,071,323Net loans24,266,345
24,144,884
24,041,489
24,012,539
23,862,574Total assets32,237,438
32,118,400
31,995,086
32,040,448
32,132,028Deposits26,768,335
26,589,407
26,332,490
26,138,067
26,328,972Shareholders' equity3,505,283
3,490,447
3,413,598
3,329,246
3,274,321









Average Balances








Investment securities(1)4,785,276
4,921,669
5,025,072
5,084,371
4,906,952Net loans24,225,655
24,053,089
24,020,322
23,899,743
24,006,863Total assets31,999,228
32,013,163
31,924,038
31,901,574
31,971,601Deposits26,451,094
26,537,659
26,298,680
26,125,602
26,169,883Shareholders' equity3,543,911
3,464,539
3,361,368
3,304,015
3,254,125









Income Statement








Net interest income262,023
266,042
264,198
254,921
251,187Provision for credit losses14,442
2,948
10,245
8,607
13,898Non-interest income69,841
69,980
70,407
69,148
67,232Non-interest expense200,294
212,986
196,574
192,811
189,460Income before taxes117,128
120,088
127,786
122,651
115,061Net income available to common shareholders92,199
96,408
97,892
96,636
90,425









Per Share








Net income available to common shareholders (basic)$0.51
$0.53
$0.54
$0.53
$0.50Net income available to common shareholders (diluted)$0.51
$0.53
$0.53
$0.53
$0.49Operating net income available to common shareholders(2)$0.55
$0.55
$0.55
$0.55
$0.52Cash dividends$0.19
$0.19
$0.18
$0.18
$0.18Common shareholders' equity$18.52
$18.33
$17.81
$17.20
$16.91Common shareholders' equity (tangible)(2)$15.12
$14.92
$14.39
$13.78
$13.46Weighted average shares (basic)179,720
180,405
181,658
182,261
182,179Weighted average shares (diluted)181,655
182,197
183,349
183,813
184,077(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
Mar 31
Dec 31
Sep 30
Jun 30
Mar 31
2026
2025
2025
2025
2025Asset Quality








Net charge-offs to average loans (annualized) 0.25 %
0.24 %
0.18 %
0.20 %
0.21 %Non-performing loans to total net loans0.72 %
0.76 %
0.83 %
0.89 %
0.82 %Non-performing assets to total assets0.55 %
0.58 %
0.63 %
0.67 %
0.62 %ACL - loans(1) to total loans1.51 %
1.51 %
1.57 %
1.57 %
1.59 %ACL - loans(1) to non-performing loans209 %
198 %
189 %
177 %
193 %









Profitability








Return on average assets1.20 %
1.23 %
1.25 %
1.25 %
1.18 %Operating return on average assets(2)1.30 %
1.27 %
1.29 %
1.30 %
1.25 %Return on average common shareholders' equity11.16 %
11.69 %
12.26 %
12.46 %
11.98 %Operating return on average common shareholders' equity (tangible)(2)14.76 %
14.86 %
15.79 %
16.26 %
15.95 %Net interest margin3.58 %
3.59 %
3.57 %
3.47 %
3.43 %Efficiency ratio(2)56.7 %
60.0 %
56.5 %
57.1 %
56.7 %Non-interest expense to total average assets2.54 %
2.64 %
2.44 %
2.42 %
2.40 %Operating non-interest expense to total average assets(2)2.42 %
2.53 %
2.38 %
2.36 %
2.32 %









Capital Ratios(3)








Tangible common equity ratio ("TCE")(2)8.6 %
8.5 %
8.3 %
8.0 %
7.8 %Tier 1 leverage ratio9.9 %
9.7 %
9.6 %
9.4 %
9.2 %Common equity Tier 1 capital ratio11.9 %
11.8 %
11.6 %
11.3 %
11.1 %Tier 1 risk-based capital ratio12.7 %
12.6 %
12.4 %
12.1 %
11.9 %Total risk-based capital ratio15.1 %
15.2 %
15.0 %
14.7 %
14.5 %









(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 March 31, 2026 are preliminary estimates and prior periods are actual. FULTON FINANCIAL CORPORATION

CONDENSED CONSOLIDATED ENDING BALANCE SHEETS (UNAUDITED)

(dollars in thousands)














Mar 31
Dec 31
Sep 30
Jun 30
Mar 31

2026
2025
2025
2025
2025ASSETS








Cash and due from banks$    311,796
$    271,463
$    307,267
$    362,280
$    388,503
Other interest-earning assets871,066
911,155
643,111
583,899
778,117
Loans held for sale11,887
16,316
19,875
23,281
15,965
Investment securities4,861,967
4,833,744
5,045,270
5,093,027
5,071,323
Net loans24,266,345
24,144,884
24,041,489
24,012,539
23,862,574
Less: ACL - loans(1)(367,489)
(364,462)
(376,258)
(377,337)
(379,677)
   Loans, net23,898,856
23,780,422
23,665,231
23,635,202
23,482,897
Net premises and equipment168,941
175,240
178,644
184,290
186,873
Accrued interest receivable112,083
113,698
114,003
117,130
116,215
Goodwill and intangible assets607,647
612,996
618,361
623,729
629,189
Other assets1,393,195
1,403,366
1,403,324
1,417,610
1,462,946
    Total Assets$ 32,237,438
$ 32,118,400
$ 31,995,086
$ 32,040,448
$ 32,132,028LIABILITIES AND SHAREHOLDERS' EQUITY








Deposits$ 26,768,335
$ 26,589,407
$ 26,332,490
$ 26,138,067
$ 26,328,972
Borrowings1,252,579
1,297,375
1,471,961
1,773,900
1,657,200
Other liabilities711,241
741,171
777,037
799,235
871,535
    Total Liabilities28,732,155
28,627,953
28,581,488
28,711,202
28,857,707
Shareholders' equity3,505,283
3,490,447
3,413,598
3,329,246
3,274,321
   Total Liabilities and Shareholders' Equity$ 32,237,438
$ 32,118,400
$ 31,995,086
$ 32,040,448
$ 32,132,028










LOANS, DEPOSITS AND BORROWINGS DETAIL:





Loans, by type:








Real estate - commercial mortgage$  9,985,368
$  9,820,944
$  9,734,156
$  9,678,038
$  9,676,517
Commercial and industrial4,494,031
4,539,060
4,437,905
4,541,765
4,531,266
Real estate - residential mortgage6,735,338
6,669,993
6,617,017
6,511,687
6,409,657
Real estate - home equity1,253,192
1,242,831
1,214,399
1,193,410
1,170,470
Real estate - construction876,498
970,298
1,134,748
1,155,099
1,175,445
Consumer565,041
564,349
566,291
583,949
597,305
Leases and other loans(2)356,877
337,409
336,973
348,591
301,914
Total Net Loans$ 24,266,345
$ 24,144,884
$ 24,041,489
$ 24,012,539
$ 23,862,574Deposits, by type:








Noninterest-bearing demand$  5,334,920
$  5,256,096
$  5,136,210
$  5,337,771
$  5,435,934
Interest-bearing demand7,823,683
7,970,188
8,035,393
7,593,083
7,804,388
Savings8,875,256
8,512,829
8,417,678
8,271,925
8,208,526
     Total demand and savings22,033,859
21,739,113
21,589,281
21,202,779
21,448,848
Brokered715,850
855,042
709,667
817,398
738,458
Time4,018,626
3,995,252
4,033,542
4,117,890
4,141,666
Total Deposits$ 26,768,335
$ 26,589,407
$ 26,332,490
$ 26,138,067
$ 26,328,972Borrowings, by type:








Federal Home Loan Bank advances$    200,000
$    250,000
$    450,000
$    800,000
$    750,000
Senior debt and subordinated debt367,720
367,637
367,557
367,476
367,396
Other borrowings684,859
679,738
654,404
606,424
539,804
Total Borrowings$  1,252,579
$  1,297,375
$  1,471,961
$  1,773,900
$  1,657,200










(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



Mar 31
Dec 31
Sep 30
Jun 30
Mar 31



2026
2025
2025
2025
2025
Net Interest Income:











Interest income
$ 390,056
$ 403,416
$ 411,006
$ 402,761
$ 399,692

Interest expense
128,033
137,374
146,808
147,840
148,505

    Net Interest Income
262,023
266,042
264,198
254,921
251,187

Provision for credit losses
14,442
2,948
10,245
8,607
13,898

    Net Interest Income after Provision
247,581
263,094
253,953
246,314
237,289
Non-Interest Income:











Wealth management
24,496
23,879
22,639
22,281
21,785

Commercial banking:











   Merchant and card
6,343
6,847
7,327
7,376
6,591

   Cash management
8,363
8,374
8,335
8,376
7,799

   Capital markets
3,614
3,730
2,908
2,945
2,411

   Other commercial banking
4,486
5,162
4,595
4,734
4,528

Total commercial banking
22,806
24,113
23,165
23,431
21,329

Consumer banking:











  Card
7,887
8,366
8,246
7,958
7,544

  Overdraft
3,798
4,109
4,153
3,817
3,295

  Other consumer banking
2,491
2,967
2,775
2,753
2,229

Total consumer banking
14,176
15,442
15,174
14,528
13,068

Mortgage banking
3,955
3,636
3,711
3,991
3,138

Other
4,408
2,910
5,718
4,917
7,914

Non-interest income before investment securities  (losses) gains          
69,841
69,980
70,407
69,148
67,234

Investment securities (losses) gains, net
—
—
—
—
(2)

    Total Non-Interest Income
69,841
69,980
70,407
69,148
67,232
Non-Interest Expense:











Salaries and employee benefits
109,917
121,632
111,265
107,123
103,526

Data processing and software
18,662
19,695
18,535
18,262
18,599

Net occupancy
18,229
17,554
15,954
16,410
18,207

Other outside services
12,750
13,105
12,951
12,009
11,837

Intangible amortization
5,349
5,365
5,368
5,460
6,269

FDIC insurance
4,249
4,540
5,089
4,951
5,597

Equipment
3,924
4,001
3,926
4,100
4,150

Professional fees
2,239
2,088
2,320
2,163
(1,078)

Marketing
2,331
1,694
2,470
2,604
2,521

Acquisition-related expenses
2,644
802
—
—
380

Other
20,000
22,510
18,696
19,729
19,452

    Total Non-Interest Expense
200,294
212,986
196,574
192,811
189,460

    Income Before Income Taxes
117,128
120,088
127,786
122,651
115,061

Income tax expense
22,367
21,118
27,332
23,453
22,074

    Net Income
94,761
98,970
100,454
99,198
92,987

Preferred stock dividends
(2,562)
(2,562)
(2,562)
(2,562)
(2,562)

     Net Income Available to Common  Shareholders
$  92,199
$  96,408
$  97,892
$  96,636
$  90,425










































Three months ended



Mar 31
Dec 31
Sep 30
Jun 30
Mar 31



2026
2025
2025
2025
2025
PER SHARE:











Net income available to common shareholders (basic)
$0.51
$0.53
$0.54
$0.53
$0.50

Net income available to common shareholders (diluted)
$0.51
$0.53
$0.53
$0.53
$0.49

Cash dividends
$0.19
$0.19
$0.18
$0.18
$0.18














Weighted average shares (basic)
179,720
180,405
181,658
182,261
182,179

Weighted average shares (diluted)
181,655
182,197
183,349
183,813
184,077
 FULTON FINANCIAL CORPORATION





CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)




(dollars in thousands)














Three months ended

March 31, 2026
December 31, 2025
March 31, 2025

Average


Yield/
Average


Yield/
Average


Yield/

Balance
Interest(1)
Rate
Balance
Interest(1)
Rate
Balance
Interest(1)
RateASSETS



































Interest-earning assets:
















Net loans(2)$ 24,225,655
$ 341,843
5.70 %
$ 24,053,089
$ 352,014
5.82 %
$ 24,006,863
$ 347,626
5.86 %
Investment securities(3)5,001,079
44,771
3.58 %
5,159,396
47,007
3.64 %
5,199,000
47,242
3.63 %
Other interest-earning assets773,171
7,745
4.05 %
820,025
8,811
4.27 %
793,126
9,164
4.67 %
Total Interest-Earning Assets29,999,905
394,359
5.31 %
30,032,510
407,832
5.40 %
29,998,989
404,032
5.44 %


















Noninterest-earning assets:
















Cash and due from banks300,074




284,768




301,897




Premises and equipment173,203




178,194




191,248




Other assets1,896,687




1,898,152




1,864,996




Less: ACL - loans(4)(370,641)




(380,461)




(385,529)




Total Assets$ 31,999,228




$ 32,013,163




$ 31,971,601






















LIABILITIES AND SHAREHOLDERS' EQUITY


































Interest-bearing liabilities:
















Demand deposits$ 7,774,121
$  29,036
1.51 %
$ 7,984,980
$  33,831
1.68 %
$ 7,753,586
$  34,189
1.79 %
Savings deposits8,684,478
44,663
2.09 %
8,519,075
47,219
2.20 %
7,971,728
45,101
2.29 %
Brokered deposits856,823
8,210
3.89 %
803,755
8,325
4.11 %
904,722
10,038
4.50 %
Time deposits4,015,644
33,896
3.42 %
3,986,459
34,996
3.48 %
4,127,784
41,564
4.08 %
Total Interest-Bearing Deposits21,331,066
115,805
2.20 %
21,294,269
124,371
2.32 %
20,757,820
130,892
2.56 %



















Borrowings and other interest-bearing liabilities1,359,113
12,228
3.65 %
1,345,837
13,003
3.83 %
1,754,900
17,613
4.07 %
Total Interest-Bearing Liabilities22,690,179
128,033
2.29 %
22,640,106
137,374
2.41 %
22,512,720
148,505
2.67 %


















Noninterest-bearing liabilities:
















Demand deposits5,120,028




5,243,390




5,412,063




Other liabilities645,110




665,128




792,693




Total Liabilities28,455,317




28,548,624




28,717,476




Total Deposits26,451,094


1.78 %
26,537,659


1.86 %
26,169,883


2.03 %
Total interest-bearing liabilities and non-interest bearing deposits (cost of funds)27,810,207


1.87 %
27,883,496


1.96 %
27,924,783


2.15 %



















Shareholders' equity3,543,911




3,464,539




3,254,125




Total Liabilities and Shareholders' Equity$ 31,999,228




$ 32,013,163




$ 31,971,601























Net interest income/net interest margin (fully taxable equivalent)

266,326
3.58 %


270,458
3.59 %


255,527
3.43 %
Tax equivalent adjustment

(4,303)




(4,416)




(4,340)


Net Interest Income

$ 262,023




$ 266,042




$ 251,187





















(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 CORPORATIONAVERAGE LOANS, DEPOSITS AND BORROWINGS DETAIL (UNAUDITED)(dollars in thousands)


Three months ended


Mar 31
Dec 31
Sep 30
Jun 30
Mar 31


2026
2025
2025
2025
2025
Loans, by type:










Real estate - commercial mortgage$ 9,930,713
$ 9,785,717
$ 9,721,395
$ 9,652,320
$ 9,655,283

Commercial and industrial4,522,694
4,473,522
4,494,662
4,530,085
4,608,401

Real estate - residential mortgage6,696,646
6,646,318
6,560,413
6,448,443
6,367,978

Real estate - home equity1,235,977
1,223,293
1,191,465
1,179,109
1,160,713

Real estate - construction926,026
1,014,343
1,125,130
1,172,138
1,296,090

Consumer576,852
577,136
590,658
599,505
615,741

Leases and other loans(1)336,747
332,760
336,599
318,142
302,657

Total Net Loans$ 24,225,655
$ 24,053,089
$ 24,020,322
$ 23,899,742
$ 24,006,863












Deposits, by type:










Noninterest-bearing demand$ 5,120,028
$ 5,243,390
$ 5,239,393
$ 5,303,997
$ 5,412,063

Interest-bearing demand7,774,121
7,984,980
7,876,227
7,800,881
7,753,586

Savings8,684,478
8,519,075
8,391,379
8,219,637
7,971,728

     Total demand and savings21,578,627
21,747,445
21,506,999
21,324,515
21,137,377

Brokered856,823
803,755
694,486
688,957
904,722

Time4,015,644
3,986,459
4,097,195
4,112,130
4,127,784

Total Deposits$ 26,451,094
$ 26,537,659
$ 26,298,680
$ 26,125,602
$ 26,169,883












Borrowings, by type:










Federal funds purchased$        —
$        54
$        —
$     1,099
$        —

Federal Home Loan Bank advances221,039
237,880
484,022
712,198
709,367

Senior debt and subordinated debt367,679
367,598
367,517
367,438
367,357

Other borrowings and other interest-bearing liabilities770,395
740,305
713,456
675,511
678,176

Total Borrowings$ 1,359,113
$ 1,345,837
$ 1,564,995
$ 1,756,246
$ 1,754,900











(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


Mar 31
Dec 31
Sep 30
Jun 30
Mar 31


2026
2025
2025
2025
2025
Allowance for credit losses related to net loans:








Balance at beginning of period$ 364,462
$ 376,258
$ 377,337
$ 379,677
$ 379,156













Initial allowance for credit losses on purchased loans 3,351
—
—
—
—

Loans charged off:










    Real estate - commercial mortgage(4,102)
(14,104)
(3,906)
(6,402)
(12,106)

    Commercial and industrial(10,545)
(5,295)
(5,847)
(5,780)
(3,865)

    Real estate - residential mortgage(391)
(58)
(394)
(258)
(343)

    Consumer and home equity(2,164)
(2,212)
(2,527)
(1,885)
(2,193)

    Real estate - construction—
—
(5,286)
(100)
—

    Leases and other loans(2)(1,116)
(1,140)
(1,479)
(1,491)
(1,527)

    Total loans charged off(18,318)
(22,809)
(19,439)
(15,916)
(20,034)
Recoveries of loans previously charged off:










    Real estate - commercial mortgage701
633
4,307
133
374

    Commercial and industrial740
6,592
3,205
2,628
5,952

    Real estate - residential mortgage72
230
33
203
174

    Consumer and home equity584
861
726
899
660

    Real estate - construction884
—
47
99
82

    Leases and other loans(2)429
146
192
240
201

    Total recoveries of loans previously charged off3,410
8,462
8,510
4,202
7,443
Net loans charged off(14,908)
(14,347)
(10,929)
(11,714)
(12,591)
Provision for credit losses(1)14,584
2,551
9,850
9,374
13,112
Balance at end of period$ 367,489
$ 364,462
$ 376,258
$ 377,337
$ 379,677
Net charge-offs to average loans(3)0.25 %
0.24 %
0.18 %
0.20 %
0.21 %












Provision for credit losses related to OBS Credit Exposures               










Provision for credit losses(1)$  (142)
$    397
$    395
$  (767)
$    786












NON-PERFORMING ASSETS:









Non-accrual loans$ 142,035
$ 153,872
$ 150,137
$ 182,942
$ 162,426

Loans 90 days past due and accruing33,816
29,924
48,597
29,949
34,367

    Total non-performing loans175,851
183,796
198,734
212,891
196,793

Other real estate owned1,648
1,365
2,305
2,706
2,193

Total non-performing assets$ 177,499
$ 185,161
$ 201,039
$ 215,597
$ 198,986












NON-PERFORMING LOANS, BY TYPE:









Commercial and industrial$ 47,759
$ 47,756
$ 48,817
$ 45,565
$ 42,913

Real estate - commercial mortgage64,890
74,981
87,789
90,852
88,081

Real estate - residential mortgage47,826
45,569
44,689
37,703
46,878

Consumer and home equity12,339
11,875
12,658
11,109
12,682

Real estate - construction3,000
2,267
3,461
25,602
3,666

Leases and other loans(2)37
1,348
1,320
2,060
2,573

Total non-performing loans$ 175,851
$ 183,796
$ 198,734
$ 212,891
$ 196,793


(1) The sum of these amounts are reflected in the provision for credit losses in the Condensed Consolidated Statements of Income.(2) Includes equipment lease financing, overdraft and net origination fees and costs.(3) Quarterly results are annualized.







 FULTON FINANCIAL CORPORATIONRECONCILIATION 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





Mar 31
Dec 31
Sep 30
Jun 30
Mar 31





2026
2025
2025
2025
2025Operating net income available to common shareholders









Net income available to common shareholders
$     92,199
$    96,408
$    97,892
$    96,636
$    90,425Less: Other (1) 
—
(4,989)
(738)
(9)
(122)Plus: Core deposit intangible amortization
5,255
5,255
5,255
5,346
6,155Plus: Acquisition-related expense
2,644
802
—
—
380Plus: FDIC special assessment
—
(95)
—
—
—Plus: FultonFirst implementation and asset disposals
1,556
2,795
(207)
(270)
(47)Less: Tax impact of adjustments
(1,985)
(791)
(905)
(1,064)
(1,337)Operating net income available to common shareholders (numerator)
$     99,669
$    99,385
$   101,297
$   100,639
$    95,454














Weighted average shares (diluted) (denominator)
181,655
182,197
183,349
183,813
184,077














Operating net income available to common shareholders, per share (diluted)
$       0.55
$       0.55
$       0.55
$       0.55
$       0.52














Common shareholders' equity (tangible), per share









Shareholders' equity
$  3,505,283
$  3,490,447
$  3,413,598
$  3,329,246
$  3,274,321Less: Preferred stock
(192,878)
(192,878)
(192,878)
(192,878)
(192,878)Less: Goodwill and intangible assets
(607,647)
(612,996)
(618,361)
(623,729)
(629,189)Tangible common shareholders' equity (numerator)
$  2,704,758
$  2,684,573
$  2,602,359
$  2,512,639
$  2,452,254










Shares outstanding, end of period (denominator)
178,843
179,895
180,865
182,379
182,204










Common shareholders' equity (tangible), per share
$      15.12
$      14.92
$      14.39
$      13.78
$      13.46














(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 Acquisition.


















































Three months ended






Mar 31
Dec 31
Sep 30
Jun 30
Mar 31





2026
2025
2025
2025
2025Operating return on average assets









Net income
$     94,761
$    98,970
$   100,454
$    99,198
$    92,987Less: Other (1)
—
(4,989)
(738)
(9)
(122)Plus: Core deposit intangible amortization
5,255
5,255
5,255
5,346
6,155Plus: Acquisition-related expense
2,644
802
—
—
380Plus: FDIC special assessment
—
(95)
—
—
—Plus: FultonFirst implementation and asset disposals
1,556
2,795
(207)
(270)
(47)Less: Tax impact of adjustments
(1,985)
(791)
(905)
(1,064)
(1,337)Operating net income (numerator)
$    102,231
$   101,947
$   103,859
$   103,201
$    98,016














Total average assets
$ 31,999,228
$ 32,013,163
$ 31,924,038
$ 31,901,574
$ 31,971,601Less: Average net core deposit intangible
(54,629)
(60,726)
(65,999)
(71,282)
(77,039)Total operating average assets  (denominator)
$ 31,944,599
$ 31,952,437
$ 31,858,039
$ 31,830,292
$ 31,894,562














Operating return on average assets(2)
1.30 %
1.27 %
1.29 %
1.30 %
1.25 %














Operating return on average common shareholders' equity (tangible)





Net income available to common shareholders
$     92,199
$    96,408
$    97,892
$    96,636
$    90,425Less: Other (1)
—
(4,989)
(738)
(9)
(122)Plus: Intangible amortization

5,349
5,365
5,368
5,460
6,269Plus: Acquisition-related expense

2,644
802
—
—
380Plus: FDIC special assessment
—
(95)
—
—

Plus: FultonFirst implementation and asset disposals
1,556
2,795
(207)
(270)
(47)Less: Tax impact of adjustments

(2,005)
(814)
(929)
(1,088)
(1,361)Adjusted net income available to common shareholders (numerator)
$     99,743
$    99,472
$   101,386
$   100,729
$    95,544










Average shareholders' equity
$  3,543,911
$  3,464,539
$  3,361,368
$  3,304,015
$  3,254,125Less: Average preferred stock
(192,878)
(192,878)
(192,878)
(192,878)
(192,878)Less: Average goodwill and intangible assets
(610,262)
(615,600)
(620,986)
(626,383)
(632,254)Average tangible common shareholders' equity (denominator)
$  2,740,771
$  2,656,061
$  2,547,504
$  2,484,754
$  2,428,993










Operating return on average common shareholders' equity (tangible)(2)
14.76 %
14.86 %
15.79 %
16.26 %
15.95 %














Tangible common equity to tangible assets (TCE Ratio)









Shareholders' equity
$  3,505,283
$  3,490,447
$  3,413,598
$  3,329,246
$  3,274,321Less: Preferred stock
(192,878)
(192,878)
(192,878)
(192,878)
(192,878)Less: Goodwill and intangible assets
(607,647)
(612,996)
(618,361)
(623,729)
(629,189)Tangible common shareholders' equity (numerator)
$  2,704,758
$  2,684,573
$  2,602,359
$  2,512,639
$  2,452,254














Total assets
$ 32,237,438
$ 32,118,400
$ 31,995,086
$ 32,040,448
$ 32,132,028Less: Goodwill and intangible assets
(607,647)
(612,996)
(618,361)
(623,729)
(629,189)Total tangible assets (denominator)
$ 31,629,791
$ 31,505,404
$ 31,376,725
$ 31,416,719
$ 31,502,839














Tangible common equity to tangible assets
8.55 %
8.52 %
8.29 %
8.00 %
7.78 %














(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 Acquisition.(2) Results are annualized.




























































Three months ended





Mar 31
Dec 31
Sep 30
Jun 30
Mar 31





2026
2025
2025
2025
2025Efficiency ratio











Non-interest expense
$    200,294
$   212,986
$   196,574
$   192,811
$   189,460Less: Acquisition-related expense
(2,644)
(802)
—
—
(380)Less: FDIC special assessment
—
95
—
—
—Less: FultonFirst implementation and asset disposals
(1,556)
(2,795)
207
270
47Less: 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










Net interest income
$    262,023
$   266,042
$   264,198
$   254,921
$   251,187Tax equivalent adjustment
4,303
4,416
4,436
4,389
4,340Plus: Total non-interest income
69,841
69,980
70,407
69,148
67,232Less: Other revenue
—
11
(138)
(9)
(122)Plus: Investment securities (gains) losses, net
—
—
—
—
2Total revenue (denominator)
$    336,167
$   340,449
$   338,903
$   328,449
$   322,639










Efficiency ratio
56.7 %
60.0 %
56.5 %
57.1 %
56.7 %














Operating non-interest expense to total average assets









Non-interest expense
$    200,294
$   212,986
$   196,574
$   192,811
$   189,460Less: Intangible amortization
(5,349)
(5,365)
(5,368)
(5,460)
(6,269)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
47Operating non-interest expense (numerator)
$    190,745
$   204,119
$   191,413
$   187,621
$   182,858














Total average assets (denominator)
$ 31,999,228
$ 32,013,163
$ 31,924,038
$ 31,901,574
$ 31,971,601














Operating non-interest expenses to total average assets(1)
2.42 %
2.53 %
2.38 %
2.36 %
2.32 %(1) Results are annualized.










Media Contact: Lacey Dean (717) 735-8688
Investor Contact: Rick Kraemer (717) 327-2567










View original content to download multimedia:https://www.prnewswire.com/news-releases/fulton-financial-corporation-announces-first-quarter-2026-results-302750855.htmlSOURCE Fulton Financial Corporation

Original: Fulton Financial Corporation Announces First Quarter 2026 Results

Fulton Financial Corporation Announces Dates for First Quarter 2026 Earnings Release and WebcastApril 1, 2026 1:02 PM
PR Newswire (US)

LANCASTER, Pa., April 1, 2026 /PRNewswire/ -- Fulton Financial Corporation ("Fulton") (Nasdaq: FULT) today announced that it will distribute its first quarter 2026 earnings release and accompanying charts on Wednesday, April 22, at approximately 4:30 p.m. Eastern Time.







Fulton will host a conference call with analysts on Thursday, April 23, at 10 a.m. Eastern Time. Curtis J. Myers, Chairman, CEO and President, will host the call. He will be joined by Rick Kraemer, Senior Executive Vice President and CFO.The link to the webcast of this call can be found at https://investor.fultonbank.com. Participants can also access the audio-only webcast at: https://edge.media-server.com/mmc/p/jqjdbt8g.Fulton, a $34 billion Lancaster, Pa.-based financial holding company, has more than 3,500 employees and operates more than 200 financial centers in Pennsylvania, New Jersey, Maryland, Delaware and Virginia through Fulton Bank, N.A. and Blue Foundry Bank. Additional information on Fulton can be found at https://investor.fultonbank.com.Media Contact: Rachel Sharkey (717) 291-2831
Investor Contact: Patrick Lafferty (717) 327-2556



View original content to download multimedia:https://www.prnewswire.com/news-releases/fulton-financial-corporation-announces-dates-for-first-quarter-2026-earnings-release-and-webcast-302731644.htmlSOURCE Fulton Financial Corporation

Original: Fulton Financial Corporation Announces Dates for First Quarter 2026 Earnings Release and Webcast

FULTON FINANCIAL CORPORATION COMPLETES ACQUISITION OF BLUE FOUNDRY BANCORPApril 1, 2026 9:02 AM
PR Newswire (US)

Transaction Expands Fulton's Presence in Attractive New Jersey MarketsLANCASTER, Pa., April 1, 2026 /PRNewswire/ -- Fulton Financial Corporation (Nasdaq: FULT) ("Fulton") today announced the successful completion of its acquisition of Blue Foundry Bancorp (formerly Nasdaq: BLFY) ("Blue Foundry"), Rutherford, N.J. As a result of the acquisition, Fulton advances its growth plan in an important market and becomes a $34 billion financial services company.







"We are excited to welcome Blue Foundry Bank customers, employees and shareholders to the Fulton family! Completing the acquisition of Blue Foundry Bancorp marks an exciting milestone," said Curt Myers, Fulton Chairman, CEO and President. "I am proud of the collaboration between both organizations to ensure a seamless transition for Blue Foundry Bank customers as they join Fulton Bank later this year. Expanding our presence in New Jersey allows us to deepen our impact and continue changing lives for the better in the communities we serve."Blue Foundry Bank is expected to operate as a separate, wholly owned subsidiary of Fulton until this summer, when Fulton plans to merge Blue Foundry Bank operations, systems and accounts into its existing banking subsidiary, Fulton Bank, N.A. ("Fulton Bank"). Until the bank merger and systems conversion occur, Blue Foundry Bank customers will continue to bank just as they have been at Blue Foundry Bank locations.As previously announced and in connection with the acquisition, Fulton will make a $1.5 million contribution to the Fulton Forward® Foundation—designated to provide impact gifts to nonprofit community organizations in New Jersey.Additional information about the transaction is available in a Current Report on Form 8-K that is being filed by Fulton with the U.S. Securities and Exchange Commission (the "SEC") simultaneously with the issuance of this press release.About Fulton Financial Corporation
Headquartered in Lancaster, Pa., Fulton Financial Corporation is a premier community banking organization and a $34 billion asset financial holding company providing a variety of financial services through its subsidiary bank, Fulton Bank, in Pennsylvania, Maryland, Delaware, New Jersey and Virginia and Blue Foundry Bank in New Jersey. At Fulton Financial Corporation, we seek to change lives for the better by building strong customer relationships, providing significant community support and empowering more than 3,500 employees to do the same. Through the Fulton Forward® initiative, we're helping build vibrant communities. Learn more at www.FultonBank.com. Member FDIC.CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS
This communication contains "forward-looking statements." Forward-looking statements 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 include, but are not limited to, statements regarding the outlook and expectations of Fulton with respect to Fulton's acquisition of Blue Foundry (the "Transaction"), the strategic benefits and financial benefits of the Transaction, including the expected impact of the Transaction on Fulton's future financial performance. Forward-looking statements, by their nature, are subject to risks and uncertainties. There are many factors that could cause actual results to differ materially from expected results described in the forward-looking statements. The forward-looking statements are intended to be subject to the safe harbor provided by Section 27A of the Securities Act of 1933, as amended, Section 21E of the Securities Exchange Act of 1934, as amended, and the Private Securities Litigation Reform Act of 1995.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 business of Fulton, future 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 Fulton'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. All forward-looking statements attributable to Fulton, or persons acting on Fulton's behalf, are expressly qualified in their entirety by the cautionary statements set forth below. Any forward-looking statement is based only on information currently available and speaks only as of the date when made. Fulton 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.Factors relating to the Transaction that could cause or contribute to actual results differing materially from those contained or implied in forward-looking statements or historical performance include, in addition to those factors identified elsewhere in this communication: the possibility that revenue or expense synergies and other expected benefits of the Transaction, 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 Fulton or as a result of the strength of the economy, competitive factors in the areas where Fulton 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 Fulton's business and/or the conversion of Blue Foundry's operating systems and customer data onto Fulton's; and other factors that may affect future results of Fulton, including continued pressures and uncertainties within the banking industry and Fulton's markets, including changes in interest rates, price fluctuations as well as other market events, and deposit amounts and composition, increased competitive pressures, operational risks, asset and credit quality deterioration, the impact of proposed or imposed tariffs by the U.S. government or retaliatory tariffs proposed or imposed by U.S. trading partners that could have an adverse impact on customers or any recession or slowdown in economic growth particularly in the markets in which Fulton operates, and legislative, regulatory, and fiscal policy changes and related compliance costs.These factors are not necessarily all of the factors that could cause Fulton's actual results, performance, or achievements to differ materially from those expressed in or implied by any of the forward-looking statements. Other unknown or unpredictable factors also could harm Fulton's results.Further information regarding Fulton and factors that could affect the forward-looking statements contained herein can be found in Fulton's Annual Report on Form 10-K for the year ended December 31, 2025, which is accessible on the SEC's website at www.sec.gov and in the Investor Relations section of Fulton's website at www.fultonbank.com, and in other documents Fulton files with the SEC. Information on these websites is not part of this document.MEDIA CONTACT: Lacey Dean (717) 735-8688
INVESTOR CONTACT: Pat Lafferty (717) 327-2556



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Original: FULTON FINANCIAL CORPORATION COMPLETES ACQUISITION OF BLUE FOUNDRY BANCORP

Fulton Financial Corporation Declares Common and Preferred DividendsMarch 17, 2026 4:30 PM
PR Newswire (US)

LANCASTER, Pa., March 17, 2026 /PRNewswire/ -- Fulton Financial Corporation ("Fulton") (Nasdaq: FULT) today announced that its Board of Directors (the "Board") declared a quarterly cash dividend of nineteen cents per share on its common stock, payable on April 15, 2026, to shareholders of record as of April 1, 2026.







In addition, Fulton announced that the Board declared a quarterly dividend of $12.81 per share (equivalent to $0.32025 per depositary share) on its Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series A, payable on April 15, 2026, to shareholders of record as of March 31, 2026, for the period from and including January 15, 2026, to but excluding, April 15, 2026.Fulton, a more than $32 billion Lancaster, Pennsylvania-based financial holding company, has more than 3,300 employees and operates more than 200 financial centers in Pennsylvania, New Jersey, Maryland, Delaware and Virginia through Fulton Bank, N.A.Additional information on Fulton can be found at investor.fultonbank.com.Media:
Rachel Sharkey (717) 291-2831Investors:
Patrick Lafferty (717) 327-2556



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Original: Fulton Financial Corporation Declares Common and Preferred Dividends

CHIEF HUMAN RESOURCES OFFICER BERNADETTE TAYLOR TO RETIRE FROM FULTON FINANCIAL CORPORATIONMarch 2, 2026 4:30 PM
PR Newswire (US)

LANCASTER, Pa., March 2, 2026 /PRNewswire/ -- Fulton Financial Corporation ("Fulton") (NASDAQ: FULT) today announced that Chief Human Resources Officer Bernadette Taylor will retire from Fulton on June 5, 2026.







Following Taylor's retirement, Karen Grafje, currently Director of Total Rewards and HR Solutions, will be promoted to Chief Human Resources Officer.Taylor joined Fulton in 1994 as Corporate Training Director and was promoted to leadership positions in Human Resources, becoming Chief HR Officer in 2015."Bernadette has been instrumental in developing our company culture that sets us apart and helps us attract talented colleagues," said Curt Myers, Fulton's Chairman, CEO and President. "Collaborating with leadership across the company, Bernadette and her team have created a workplace that empowers us to better serve our customers and communities. I wish her all the best in retirement!""Throughout my career at Fulton, I have been grateful for the opportunity to work with team members who are truly dedicated to changing lives for the better," Taylor said. "With Karen's leadership, the Human Resources team will continue to enhance our employee experience, and I am excited about the company's future."Grafje joined Fulton three years ago, bringing more than 25 years of experience in human resources. She holds a bachelor's degree in economics and a master's degree in industrial and labor relations, both from Indiana University of Pennsylvania. Grafje's certifications include Senior Professional in Human Resources (SPHR), Society for Human Resource Management – Senior Certified Professional (SHRM-SCP), and Certified Compensation Professional (CCP).About Fulton Financial Corporation
Fulton Financial Corporation, a $32 billion Lancaster, Pa.-based financial holding company, has more than 3,300 employees and operates 200 financial centers in Pennsylvania, Maryland, Delaware, New Jersey and Virginia through Fulton Bank, N.A. Additional information on Fulton Financial Corporation can be found at www.fult.com.Contact:Steve Trapnell
(717) 291-2739














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Original: CHIEF HUMAN RESOURCES OFFICER BERNADETTE TAYLOR TO RETIRE FROM FULTON FINANCIAL CORPORATION

FULTON FINANCIAL CORPORATION AND BLUE FOUNDRY BANCORP ANNOUNCE REGULATORY APPROVALS AND ANTICIPATED MERGER CLOSING DATEFebruary 23, 2026 8:30 AM
PR Newswire (US)

LANCASTER, Pa. and RUTHERFORD, N.J., Feb. 23, 2026 /PRNewswire/ -- Fulton Financial Corporation (Nasdaq: FULT) ("Fulton") and Blue Foundry Bancorp (Nasdaq: BLFY) ("Blue Foundry") today jointly announced the receipt of all required regulatory approvals for the previously announced all-stock transaction pursuant to which Fulton will acquire Blue Foundry.







Regulatory approvals have been granted by the Board of Governors of the Federal Reserve System and the Office of the Comptroller of the Currency. Blue Foundry's stockholders approved the transaction on January 29, 2026."We are pleased to see such strong support from Blue Foundry stockholders and to have received the necessary regulatory approvals," said Curtis J. Myers, Fulton Chairman, CEO and President. "These milestones bring us one step closer to uniting our organizations and deepening our impact across New Jersey."The transaction was announced on November 24, 2025 and is expected to be completed on or around April 1, 2026, pending the satisfaction or waiver of the remaining customary closing conditions set forth in the definitive merger agreement governing the transaction.About Fulton Financial CorporationHeadquartered in Lancaster, Pa., Fulton Financial Corporation is a premier community banking organization and a $32 billion asset financial holding company providing a variety of financial services through its subsidiary bank, Fulton Bank, N.A. ("Fulton Bank"), in Pennsylvania, Maryland, Delaware, New Jersey and Virginia. At Fulton Financial Corporation, we seek to change lives for the better by building strong customer relationships, providing significant community support and empowering more than 3,300 employees to do the same. Through the Fulton Forward® initiative, we're helping build vibrant communities. Learn more at www.FultonBank.com.About Blue Foundry BancorpBlue Foundry Bancorp is the holding company for Blue Foundry Bank, a place where things are made, purpose is formed, and ideas are crafted. Headquartered in Rutherford, New Jersey, with a presence in Bergen, Essex, Hudson, Middlesex, Morris, Passaic, Somerset and Union counties, Blue Foundry Bank is a full-service, innovative bank serving the doers, movers, and shakers in our communities. We offer individuals and businesses alike the tailored products and services they need to build their futures. With a rich history dating back more than 145 years, Blue Foundry Bank has a longstanding commitment to its customers and communities. To learn more about Blue Foundry Bank visit BlueFoundryBank.com or call (888) 931-BLUE.CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTSThis communication contains "forward-looking statements." Forward-looking statements 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 include, but are not limited to, statements regarding the outlook and expectations of Fulton and Blue Foundry with respect to the proposed business combination between Fulton and Blue Foundry (the "Proposed Transaction"), the strategic benefits and financial benefits of the Proposed Transaction, including the expected impact of the Proposed Transaction on Fulton's future financial performance (including anticipated accretion to earnings per share and other metrics), and the timing of the closing of the Proposed Transaction. Forward-looking statements, by their nature, are subject to risks and uncertainties. There are many factors that could cause actual results to differ materially from expected results described in the forward-looking statements. The forward-looking statements are intended to be subject to the safe harbor provided by Section 27A of the Securities Act of 1933, as amended, Section 21E of the Securities Exchange Act of 1934, as amended, and the Private Securities Litigation Reform Act of 1995.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 businesses of Fulton and Blue Foundry, future 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 Fulton's and Blue Foundry'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. All forward-looking statements attributable to Fulton or Blue Foundry, or persons acting on Fulton's or Blue Foundry's behalf, are expressly qualified in their entirety by the cautionary statements set forth below. Any forward-looking statement is based only on information currently available and speaks only as of the date when made. Fulton and Blue Foundry undertake 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.Factors relating to the Proposed Transaction that could cause or contribute to actual results differing materially from those contained or implied in forward-looking statements or historical performance include, in addition to those factors identified elsewhere in this communication:The possibility that revenue or expense synergies and other expected benefits of the Proposed Transaction, 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 Fulton or as a result of the strength of the economy, competitive factors in the areas where Fulton and Blue Foundry do business, or as a result of other unexpected factors or events;The occurrence of any event, change or other circumstances that could give rise to the right of one or both of the parties to terminate the definitive merger agreement governing the terms and conditions of the Proposed Transaction;The possibility that the Proposed Transaction may not be completed when expected or at all because required conditions to closing are not satisfied on a timely basis or at all;Reputational risks and potential adverse reactions or changes to business or employee relationships, including those resulting from the announcement or completion of the Proposed Transaction;The dilution caused by Fulton's issuance of common stock in connection with the Proposed Transaction; diversion of management's attention and time from ongoing business operations and other opportunities on matters relating to the Proposed Transaction;The outcome of any legal proceedings related to the Proposed Transaction which may be instituted against Fulton or Blue Foundry;Unanticipated challenges or delays in the integration of Blue Foundry's business into Fulton's business and or the conversion of Blue Foundry's operating systems and customer data onto Fulton's may significantly increase the expense associated with the Proposed Transaction; andOther factors that may affect future results of Fulton and Blue Foundry, including continued pressures and uncertainties within the banking industry and Fulton's and Blue Foundry's markets, including changes in interest rates, price fluctuations as well as other market events, and deposit amounts and composition, increased competitive pressures, operational risks, asset and credit quality deterioration, the impact of proposed or imposed tariffs by the U.S. government or retaliatory tariffs proposed or imposed by U.S. trading partners that could have an adverse impact on customers or any recession or slowdown in economic growth particularly in the markets in which Fulton or Blue Foundry operate, and legislative, regulatory, and fiscal policy changes and related compliance costs.These factors are not necessarily all of the factors that could cause Fulton's or Blue Foundry's actual results, performance, or achievements to differ materially from those expressed in or implied by any of the forward-looking statements. Other unknown or unpredictable factors also could harm Fulton's or Blue Foundry's results.Further information regarding Fulton and Blue Foundry and factors that could affect the forward-looking statements contained herein can be found in Fulton's Annual Report on Form 10-K for the year ended December 31, 2024, which is accessible on the Securities and Exchange Commission's (the "SEC") website at www.sec.gov and in the Investor Relations section of Fulton's website at www.fultonbank.com, and in other documents Fulton files with the SEC and in Blue Foundry's Annual Report on Form 10-K for the year ended December 31, 2024, which is accessible on the SEC's website at www.sec.gov and available in the Investor Relations section of Blue Foundry's website at https://bluefoundrybank.com and in other documents Blue Foundry files with the SEC. Information on these websites is not part of this document.Fulton Media Contact:Lacey Dean, Director of Corporate Communications                          & Brand Management(717) 735-8688          Blue Foundry Bancorp Investor Contact:Elyse D. Beidner, EVP, Investor Relations(201) 939-5000  Fulton Investor Contact:Rick Kraemer, SEVP, Chief Financial Officer                                       (717) 327-2657Blue Foundry Bancorp Contact:James D. Nesci, President and CEO(201) 972-8900 










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Original: FULTON FINANCIAL CORPORATION AND BLUE FOUNDRY BANCORP ANNOUNCE REGULATORY APPROVALS AND ANTICIPATED MERGER CLOSING DATE

Fulton, you have been good!

https://www.sec.gov/news/press-release/2020-226

~ Tuesday! $FULT ~ Q2 Earnings expected today or coming soon! In Charts and Links Below!

~ $FULT ~ Earnings expected on Tuesday *
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~ Tuesday! $FULT ~ Q1 Earnings posted, pending or coming soon! In Charts and Links Below!

~ $FULT ~ Earnings expected on Tuesday *
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Fulton Financial Corporation is a multi-bank financial holding company. The Company provides a range of banking and financial services to businesses and consumers through its six wholly owned banking subsidiaries: Fulton Bank, N.A., Fulton Bank of New Jersey, The Columbia Bank, Lafayette Ambassador Bank, FNB Bank, N.A. and Swineford National Bank. In addition, the Company owns non-bank subsidiaries, such as Fulton Reinsurance Company, LTD, Fulton Financial Realty Company, Central Pennsylvania Financial Corp., FFC Management, Inc., FFC Penn Square, Inc. and Fulton Insurance Services Group, Inc. The Company offers, through its banking subsidiaries, a range of retail and commercial banking services throughout central and eastern Pennsylvania, Delaware, Maryland, New Jersey and Virginia.

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