Fulton Financial SEC Filings

Fulton Financial Corporation filed a shelf registration statement to offer, from time to time, common stock, preferred stock, depositary shares, senior and subordinated debt securities, warrants, purchase contracts and units. The shelf is an automatic registration for a well-known seasoned issuer and permits offerings in one or more transactions and combinations, with specific terms to be provided in prospectus supplements.

On a consolidated basis as of June 30, 2025, Fulton reported $32 billion of total assets, $24 billion of loans and leases (net), $26.1 billion of total deposits and $3.3 billion of shareholders' equity. The prospectus highlights key risk categories explicitly: interest rate and liquidity risk affecting net interest margin, credit concentration in commercial mortgage, commercial and industrial and construction loans, investment securities fair-value losses, regulatory and compliance risks, cybersecurity and vendor risks, potential goodwill impairment and acquisition/integration risks. The prospectus incorporates by reference Fulton’s recent periodic filings and describes distribution mechanics and indemnification and governance provisions.

Fulton Financial Corporation (FULT) reported solid second-quarter operating results for the quarter ended June 30, 2025, driven by higher net interest income and integration of the Republic First acquisition. Net income was $99,198 thousand for the quarter ($192,185 thousand for the six months), while net interest income rose to $254,921 thousand for the quarter. Total assets were $32,040,448 thousand and total deposits were $26,138,067 thousand, with net loans of $24,012,539 thousand. Shareholders' equity increased to $3,329,246 thousand.

The allowance for credit losses was $377,337 thousand and total non-performing loans were $212,891 thousand, with total non-performing assets of $215,597 thousand. The Republic First Transaction added approximately $4.80 billion of assets and generated a preliminary gain on acquisition of $36,996 thousand (net of tax). The company holds substantial unrealized investment securities losses (AFS unrealized losses ~$322,134 thousand and HTM unrealized losses ~$181,970 thousand), and estimates $13.9 million of AOCI reclassifications will reduce net interest income over the next 12 months.

On 08/07/2025 Fulton Financial Corp. (FULT) director E. Philip Wenger filed a Form 4 disclosing a Code G gift of 20,000 common shares at a reported value of $0.00. Following the transfer, Wenger still directly owns 579,102.0447 shares (including 121,296.5261 jointly held with his spouse) and holds an additional 95,477 shares via an IRA and 447.9853 shares for his children, keeping total beneficial ownership near 675k shares. The gift reduced his direct stake by roughly 3.4 % and represents a non-cash, non-market transaction; no derivative activity was reported. The filing contains no changes to his board role or indications of future trading plans. Given the modest size and charitable nature of the transaction, market impact is expected to be limited, though investors may note the slight decrease in insider ownership.

Fulton Financial Corporation (FULT) filed an 8-K/A (Amendment No. 1) dated 16 Jul 2025 to correct a single typographical error in the investor presentation that accompanied its 15 Jul 2025 earnings release. On Slide 10 (“2025 Operating Guidance”) the expected range of Non-FTE Net Interest Income was mistakenly expressed in “millions” and has been changed to “billions.”

No other modifications were made to the presentation (Exhibit 99.2), and the original press release (Exhibit 99.1) remains unchanged. The corrected slides are now available on the company’s investor-relations site and will be referenced during the scheduled webcast on 16 Jul 2025 at 10:00 a.m. ET. All forward-looking statement disclaimers and exhibit listings are unchanged.