[8-K] FULTON FINANCIAL CORP Reports Material Event

Filing Impact

(High)

Filing Sentiment

(Neutral)

Form Type

8-K

Rhea-AI Filing Summary

Fulton Financial Corporation reported first quarter 2026 net income available to common shareholders of $92.2 million, or $0.51 per diluted share, down from $0.53 in the prior quarter. Operating net income was $99.7 million, or $0.55 per diluted share.

Net interest income was $262.0 million with a net interest margin of 3.58%. Total net loans reached $24.3 billion and deposits were $26.8 billion. The provision for credit losses was $14.4 million, supporting an allowance of 1.51% of total net loans and non-performing assets of 0.55% of total assets. Capital remained strong with a common equity Tier 1 ratio of 11.9%, and the company repurchased about 1.2 million shares for $24.5 million. Management also outlined 2026 operating guidance, including non-FTE net interest income of $1.120–$1.140 billion and provision for credit losses of $55–$75 million.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

Net income to common: $92.2 million Operating net income: $99.7 million Diluted EPS: $0.51 +5 more

8 metrics

Net income to common $92.2 million Net income available to common shareholders, Q1 2026

Operating net income $99.7 million Operating net income available to common shareholders, Q1 2026

Diluted EPS $0.51 Net income available to common shareholders per diluted share, Q1 2026

Operating diluted EPS $0.55 Operating net income available to common shareholders per diluted share, Q1 2026

Net interest income $262.0 million Net interest income, Q1 2026

Net interest margin 3.58% Net interest margin, Q1 2026

Total net loans $24.27 billion Net loans outstanding as of March 31, 2026

Deposits $26.77 billion Total deposits as of March 31, 2026

Key Terms

net interest margin, allowance for credit losses, non-performing assets, tangible common equity ratio, +2 more

6 terms

net interest margin financial

"Net interest margin remained solid at 3.58%, representing a one basis point decline"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

allowance for credit losses financial

"Provision for credit losses was $14.4 million resulting in an allowance for credit losses attributable to net loans of $367.5 million"

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

non-performing assets financial

"Non-performing assets were $177.5 million, or 0.55% of total assets, as of March 31, 2026"

Loans or other credit exposures that are not producing expected income because borrowers have stopped making scheduled payments for a significant period (commonly around 90 days). Think of it like a business lending money that has gone quiet — the cash flow stops while the lender still carries the debt on its books. High levels of non-performing assets matter to investors because they reduce a lender’s earnings, tie up capital that could be used for growth, and signal higher risk of future losses.

tangible common equity ratio financial

"Tangible common equity ratio ("TCE") (2) | 8.6 %"

Tangible common equity ratio measures how much real, loss-absorbing capital common shareholders have relative to a company's tangible assets—calculated by removing intangible items (like goodwill) and preferred equity from total equity and comparing that net amount to tangible assets. Think of it as the thickness of a safety cushion made of solid, visible value rather than accounting entries; investors use it to judge how well a company could withstand losses and protect common shareholders' claims.

operating PPNR financial

"Operating PPNR (dollars in millions; non-GAAP) -- -- $141.0 $131.8"

FDIC special assessment financial

"Plus: FDIC special assessment | | — | | (95) |"

A FDIC special assessment is a one-time or temporary charge the Federal Deposit Insurance Corporation can levy on insured banks to replenish the fund that protects depositors after unexpected losses. Think of it as an emergency invoice that raises a bank’s costs, which can reduce profits, eat into capital used for lending, and therefore matter to investors watching bank earnings, dividend capacity, and share price.

Earnings Snapshot

Net income available to common shareholders: $92.2 million · Guidance included

Q1 2026

Net income available to common shareholders $92.2 million -$4.2 million vs Q4 2025

Operating net income available to common shareholders $99.7 million +$0.3 million vs Q4 2025

Diluted EPS $0.51 -$0.02 vs Q4 2025

Operating diluted EPS $0.55 Flat vs Q4 2025

Net interest income $262.0 million -$4.0 million vs Q4 2025

Guidance

For full-year 2026, management expects non-FTE net interest income of $1.120–$1.140 billion, provision for credit losses of $55–$75 million, non-interest income of $285–$300 million, non-interest expense of $800–$835 million (excluding certain items), and an effective tax rate of 18.5–19.5%.

Understanding 8-K Material Events →

04/22/2026 - 04:46 PM

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 22, 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)

(Commission File Number)

(I.R.S. Employer Identification No.)

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 (see General Instruction A.2. below):

☐ Written communications 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	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 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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 2.02 Results of Operations and Financial Condition.

On April 22, 2026, Fulton Financial Corporation (the "Corporation") issued a press release (the "Press Release") announcing its results of operations for the first quarter ended March 31, 2026. A copy of the Press Release and supplementary financial information which accompanied the Press Release are attached as Exhibit 99.1 to this Current Report on Form 8-K (this "Current Report") and are incorporated herein by reference. The Corporation also posted on its Investor Relations website, www.fultonbank.com, presentation materials the Corporation intends to use during a conference call and webcast to discuss those results on Thursday, April 23, 2026 at 10:00 a.m. eastern time. A copy of the presentation materials is attached as Exhibit 99.2 to this Current Report and is incorporated herein by reference.

The information included in Exhibit 99.1 shall be deemed filed for purposes of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), and therefore may be incorporated by reference in filings under the Securities Act of 1933, as amended (the "Securities Act"). The information included in Exhibit 99.2 is being furnished and shall not be deemed filed for purposes of the Exchange Act or be incorporated by reference in any filing under the Securities Act.

Forward-Looking Statements

This Current Report, including Exhibits 99.1 and 99.2, 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. Management’s "2026 Operating Guidance" contained in Exhibit 99.2 to this Current Report is comprised of forward-looking statements.

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).

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.


Exhibit No.			Description
99.1			Press release dated April 22, 2026 containing financial information for the first quarter ended March 31, 2026, deemed filed under the Securities Exchange Act of 1934.
99.2			Presentation materials to be discussed during the conference call and webcast on April 23, 2026, deemed furnished under the Securities Exchange Act of 1934.
104			Cover page Interactive Data File (the cover page XBRL tags are 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.


Date: April 22, 2026			FULTON FINANCIAL CORPORATION
			By: /s/ Richard S. Kraemer
			Richard S. Kraemer
			Senior Executive Vice President and
			Chief Financial Officer

Exhibit 99.1

FULTON FINANCIAL

CORPORATION

FOR IMMEDIATE RELEASE

Media Contact: Lacey Dean (717) 735-8688

Investor Contact: Rick Kraemer (717) 327-2567

Fulton Financial Corporation Announces First Quarter 2026 Results

(April 22, 2026) – Lancaster, PA – 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 Highlights

First 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 Summary

•Total 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 Quality

•The 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 Statement

This 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 Measures

The Corporation uses certain financial measures in this press release that have been derived from methods other than GAAP. These non-GAAP financial measures are reconciled to the most comparable GAAP measures in tables at the end of this press release.


FULTON FINANCIAL CORPORATION
SUMMARY CONSOLIDATED FINANCIAL INFORMATION (UNAUDITED)
(dollars in thousands, except per share and shares data)
	Three months ended
	Mar 31		Dec 31		Sep 30		Jun 30		Mar 31
	2026		2025		2025		2025		2025
Ending Balances
Investment securities(1)	$	4,861,967	$	4,833,744	$	5,045,270	$	5,093,027	$	5,071,323
Net loans	24,266,345		24,144,884		24,041,489		24,012,539		23,862,574
Total assets	32,237,438		32,118,400		31,995,086		32,040,448		32,132,028
Deposits	26,768,335		26,589,407		26,332,490		26,138,067		26,328,972
Shareholders' equity	3,505,283		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		4,906,952
Net loans	24,225,655		24,053,089		24,020,322		23,899,743		24,006,863
Total assets	31,999,228		32,013,163		31,924,038		31,901,574		31,971,601
Deposits	26,451,094		26,537,659		26,298,680		26,125,602		26,169,883
Shareholders' equity	3,543,911		3,464,539		3,361,368		3,304,015		3,254,125

Income Statement
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
Non-interest income	69,841		69,980		70,407		69,148		67,232
Non-interest expense	200,294		212,986		196,574		192,811		189,460
Income before taxes	117,128		120,088		127,786		122,651		115,061
Net income available to common shareholders	92,199		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		$0.50
Net income available to common shareholders (diluted)	$0.51		$0.53		$0.53		$0.53		$0.49
Operating net income available to common shareholders(2)	$0.55		$0.55		$0.55		$0.55		$0.52
Cash dividends	$0.19		$0.19		$0.18		$0.18		$0.18
Common shareholders' equity	$18.52		$18.33		$17.81		$17.20		$16.91
Common shareholders' equity (tangible)(2)	$15.12		$14.92		$14.39		$13.78		$13.46
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
(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		2025
Asset Quality
Net charge-offs to average loans (annualized)	0.25	%	0.24	%	0.18	%	0.20	%	0.21	%
Non-performing loans to total net loans	0.72	%	0.76	%	0.83	%	0.89	%	0.82	%
Non-performing assets to total assets	0.55	%	0.58	%	0.63	%	0.67	%	0.62	%
ACL - loans(1) to total loans	1.51	%	1.51	%	1.57	%	1.57	%	1.59	%
ACL - loans(1) to non-performing loans	209	%	198	%	189	%	177	%	193	%







Profitability
Return on average assets	1.20	%	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' equity	11.16	%	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 margin	3.58	%	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 assets	2.54	%	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 ratio	9.9	%	9.7	%	9.6	%	9.4	%	9.2	%
Common equity Tier 1 capital ratio	11.9	%	11.8	%	11.6	%	11.3	%	11.1	%
Tier 1 risk-based capital ratio	12.7	%	12.6	%	12.4	%	12.1	%	11.9	%
Total risk-based capital ratio	15.1	%	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		2025
ASSETS
	Cash and due from banks	$	311,796	$	271,463	$	307,267	$	362,280	$	388,503
	Other interest-earning assets	871,066		911,155		643,111		583,899		778,117
	Loans held for sale	11,887		16,316		19,875		23,281		15,965
	Investment securities	4,861,967		4,833,744		5,045,270		5,093,027		5,071,323
	Net loans	24,266,345		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, net	23,898,856		23,780,422		23,665,231		23,635,202		23,482,897
	Net premises and equipment	168,941		175,240		178,644		184,290		186,873
	Accrued interest receivable	112,083		113,698		114,003		117,130		116,215
	Goodwill and intangible assets	607,647		612,996		618,361		623,729		629,189
	Other assets	1,393,195		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	$	32,132,028
LIABILITIES AND SHAREHOLDERS' EQUITY
	Deposits	$	26,768,335	$	26,589,407	$	26,332,490	$	26,138,067	$	26,328,972
	Borrowings	1,252,579		1,297,375		1,471,961		1,773,900		1,657,200
	Other liabilities	711,241		741,171		777,037		799,235		871,535
	Total Liabilities	28,732,155		28,627,953		28,581,488		28,711,202		28,857,707
	Shareholders' equity	3,505,283		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 industrial	4,494,031		4,539,060		4,437,905		4,541,765		4,531,266
	Real estate - residential mortgage	6,735,338		6,669,993		6,617,017		6,511,687		6,409,657
	Real estate - home equity	1,253,192		1,242,831		1,214,399		1,193,410		1,170,470
	Real estate - construction	876,498		970,298		1,134,748		1,155,099		1,175,445
	Consumer	565,041		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	$	23,862,574
Deposits, by type:
	Noninterest-bearing demand	$	5,334,920	$	5,256,096	$	5,136,210	$	5,337,771	$	5,435,934
	Interest-bearing demand	7,823,683		7,970,188		8,035,393		7,593,083		7,804,388
	Savings	8,875,256		8,512,829		8,417,678		8,271,925		8,208,526
	Total demand and savings	22,033,859		21,739,113		21,589,281		21,202,779		21,448,848
	Brokered	715,850		855,042		709,667		817,398		738,458
	Time	4,018,626		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	$	26,328,972
Borrowings, by type:

	Federal Home Loan Bank advances	$	200,000	$	250,000	$	450,000	$	800,000	$	750,000
	Senior debt and subordinated debt	367,720		367,637		367,557		367,476		367,396
	Other borrowings	684,859		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)		Rate
ASSETS

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 assets	773,171		7,745		4.05	%	820,025		8,811		4.27	%	793,126		9,164		4.67	%
	Total Interest-Earning Assets	29,999,905		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 banks	300,074						284,768						301,897
	Premises and equipment	173,203						178,194						191,248
	Other assets	1,896,687						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 deposits	8,684,478		44,663		2.09	%	8,519,075		47,219		2.20	%	7,971,728		45,101		2.29	%
	Brokered deposits	856,823		8,210		3.89	%	803,755		8,325		4.11	%	904,722		10,038		4.50	%
	Time deposits	4,015,644		33,896		3.42	%	3,986,459		34,996		3.48	%	4,127,784		41,564		4.08	%
	Total Interest-Bearing Deposits	21,331,066		115,805		2.20	%	21,294,269		124,371		2.32	%	20,757,820		130,892		2.56	%

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

Noninterest-bearing liabilities:
	Demand deposits	5,120,028						5,243,390						5,412,063
	Other liabilities	645,110						665,128						792,693
	Total Liabilities	28,455,317						28,548,624						28,717,476
	Total Deposits	26,451,094				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' equity	3,543,911						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 CORPORATION
AVERAGE 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 industrial	4,522,694		4,473,522		4,494,662		4,530,085		4,608,401
	Real estate - residential mortgage	6,696,646		6,646,318		6,560,413		6,448,443		6,367,978
	Real estate - home equity	1,235,977		1,223,293		1,191,465		1,179,109		1,160,713
	Real estate - construction	926,026		1,014,343		1,125,130		1,172,138		1,296,090
	Consumer	576,852		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 demand	7,774,121		7,984,980		7,876,227		7,800,881		7,753,586
	Savings	8,684,478		8,519,075		8,391,379		8,219,637		7,971,728
	Total demand and savings	21,578,627		21,747,445		21,506,999		21,324,515		21,137,377
	Brokered	856,823		803,755		694,486		688,957		904,722
	Time	4,015,644		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 advances	221,039		237,880		484,022		712,198		709,367
	Senior debt and subordinated debt	367,679		367,598		367,517		367,438		367,357
	Other borrowings and other interest-bearing liabilities	770,395		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 mortgage	701			633			4,307			133			374
	Commercial and industrial	740			6,592			3,205			2,628			5,952
	Real estate - residential mortgage	72			230			33			203			174
	Consumer and home equity	584			861			726			899			660
	Real estate - construction	884			—			47			99			82
	Leases and other loans(2)	429			146			192			240			201
	Total recoveries of loans previously charged off	3,410			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 accruing	33,816			29,924			48,597			29,949			34,367
	Total non-performing loans	175,851			183,796			198,734			212,891			196,793
	Other real estate owned	1,648			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 mortgage	64,890			74,981			87,789			90,852			88,081
	Real estate - residential mortgage	47,826			45,569			44,689			37,703			46,878
	Consumer and home equity	12,339			11,875			12,658			11,109			12,682
	Real estate - construction	3,000			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 CORPORATION
RECONCILIATION OF NON-GAAP MEASURES (UNAUDITED)
(dollars in thousands, except per share and share data)

Explanatory note:	This press release contains supplemental financial information, as detailed below, that has been derived by methods other than GAAP. The Corporation has presented these non-GAAP financial measures because it believes that these measures provide useful and comparative information to assess trends in the Corporation's results of operations and financial condition. Presentation of these non-GAAP financial measures is consistent with how the Corporation evaluates its performance internally and these non-GAAP financial measures are frequently used by securities analysts, investors and other interested parties in the evaluation of companies in the Corporation's industry. Management believes that these non-GAAP financial measures, in addition to GAAP measures, are also useful to investors to evaluate the Corporation's results. Investors should recognize that the Corporation's presentation of these non-GAAP financial measures might not be comparable to similarly titled measures of other companies. These non-GAAP financial measures should not be considered a substitute for GAAP basis measures, and the Corporation strongly encourages a review of its condensed consolidated financial statements in their entirety. Reconciliations of these non-GAAP financial measures to the most directly comparable GAAP measure follow:

		Three months ended
		Mar 31		Dec 31		Sep 30		Jun 30		Mar 31
		2026		2025		2025		2025		2025
Operating net income available to common shareholders
Net income available to common shareholders		$	92,199	$	96,408	$	97,892	$	96,636	$	90,425
Less: Other (1)		—		(4,989)		(738)		(9)		(122)


Plus: Core deposit intangible amortization		5,255		5,255		5,255		5,346		6,155
Plus: Acquisition-related expense		2,644		802		—		—		380


Plus: 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	$	3,274,321
Less: 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		2025
Operating return on average assets
Net income	$	94,761	$	98,970	$	100,454	$	99,198	$	92,987
Less: Other (1)	—		(4,989)		(738)		(9)		(122)


Plus: Core deposit intangible amortization	5,255		5,255		5,255		5,346		6,155
Plus: Acquisition-related expense	2,644		802		—		—		380


Plus: 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	$	31,971,601
Less: 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	$	90,425
Less: Other (1)	—		(4,989)		(738)		(9)		(122)


Plus: Intangible amortization	5,349		5,365		5,368		5,460		6,269
Plus: Acquisition-related expense	2,644		802		—		—		380


Plus: 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	$	3,254,125
Less: 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	$	3,274,321
Less: 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	$	32,132,028
Less: 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		2025
Efficiency ratio
Non-interest expense	$	200,294	$	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

Net interest income	$	262,023	$	266,042	$	264,198	$	254,921	$	251,187
Tax equivalent adjustment	4,303		4,416		4,436		4,389		4,340
Plus: Total non-interest income	69,841		69,980		70,407		69,148		67,232
Less: Other revenue	—		11		(138)		(9)		(122)


Plus: Investment securities (gains) losses, net	—		—		—		—		2
Total 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	$	189,460

Less: 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		47

Operating 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.

© 2026 Fulton Financial Corporation. All rights reserved. Forward-Looking Statements This presentation contains 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. Management’s "2026 Operating Guidance" contained herein is comprised of forward-looking statements. 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 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). Please refer to the Glossary of Terms on slide 25 for the definitions of acronyms and capitalized terms used in this presentation. The Corporation uses certain financial measures in this presentation that have been derived by methods other than GAAP. These non-GAAP financial measures are reconciled to the most comparable GAAP measures at the end of this presentation. 2

© 2026 Fulton Financial Corporation. All rights reserved. 1Q26 4Q25 1Q26 4Q25 Net Income Available to Common Shareholders (dollars in millions) $92.2 $96.4 $99.7 $99.4 ROAA (annualized) 1.20% 1.23% 1.30% 1.27% ROATCE (annualized; non-GAAP) -- -- 14.76% 14.86% Efficiency Ratio (non-GAAP) -- -- 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 $0.55 Operating PPNR (dollars in millions; non-GAAP) -- -- $141.0 $131.8 Operating PPNR / Average Assets (annualized; non-GAAP) -- -- 1.79% 1.64% GAAP Reported Operating(1) First Quarter 2026 Financial Highlights 4 (1) Non-GAAP financial measures. Please refer to the calculation and management’s reason for using this measure on the slide titled “Non-GAAP Reconciliation” at the end of this presentation. 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 of $99.7 million or $0.55 per Diluted Share

© 2026 Fulton Financial Corporation. All rights reserved. 1Q26 4Q25 Linked-Quarter Change Net interest income $262,023 $266,042 ($4,019) Provision for credit losses 14,442 2,948 11,494 Non-interest income before investment securities gains (losses) 69,841 69,980 (139) Investment securities gains (losses) - - - Non-interest expense 200,294 212,986 (12,692) Income before income taxes 117,128 120,088 (2,960) Income taxes 22,367 21,118 1,249 Net income 94,761 98,970 (4,209) Preferred stock dividends (2,562) (2,562) - Net income available to common shareholders $92,199 $96,408 ($4,209) Net income available to common shareholders, per share (diluted) $0.51 $0.53 ($0.02) Operating net income available to common shareholders, per share (diluted) (1) $0.55 $0.55 - ROAA 1.20% 1.23% (3) bps Operating ROAA(1) 1.30% 1.27% 3 bps ROAE 11.16% 11.69% (53) bps Operating ROATCE(1) 14.76% 14.86% (10) bps Efficiency ratio(1) 56.7% 60.0% (330) bps (dollars in thousands, except per-share data) First Quarter 2026 Income Statement Summary 5 (1) Non-GAAP financial measures. Please refer to the calculation and management’s reason for using this measure on the slide titled “Non-GAAP Reconciliation” at the end of this presentation.

© 2026 Fulton Financial Corporation. All rights reserved. Net Interest Income 6 • 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 YieldsHighlights Average Deposits and Borrowings & Other, Cost of Deposits and Cost of FundsNII(1) and NIM (1) NII on a non-FTE basis using a 21% federal tax rate and statutory interest expense disallowances. (m ill io ns ) (b ill io ns ) (b ill io ns )

© 2026 Fulton Financial Corporation. All rights reserved. Non-Interest Income Remains a Key Revenue Source at Over 20% of Total Revenue 7 Wealth Management AUM/AUA in excess of $17 billion 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 $617 Commercial banking 22,806 24,113 23,165 23,431 21,329 (1,307) Consumer banking 14,176 15,442 15,174 14,528 13,068 (1,266) Mortgage banking 3,955 3,636 3,711 3,991 3,138 319 Other 4,408 2,910 5,718 4,917 7,914 1,498 Non-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) 4Q25 3Q25 2Q25 1Q25

© 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 software 18,662 19,695 18,535 18,262 18,599 (1,033) Net occupancy 18,229 17,554 15,954 16,410 18,207 675 Other outside services 12,750 13,105 12,951 12,009 11,837 (355) Intangible amortization 5,349 5,365 5,368 5,460 6,269 (16) FDIC insurance 4,249 4,540 5,089 4,951 5,597 (291) Equipment 3,924 4,001 3,926 4,100 4,150 (77) Professional fees 2,239 2,088 2,320 2,163 (1,078) 151 Acquisition-related expenses 2,644 802 – – 380 1,842 Other 22,331 24,204 21,166 22,333 21,973 (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) 16 Less: 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) 207 270 47 1,239 Operating non-interest expense(1) $190,745 $204,119 $191,413 $187,621 $182,858 ($13,374) (dollars in thousands) 1Q26 4Q25 3Q25 2Q25 1Q25 Change Since 4Q25 Efficiency Ratio(1) Disciplined Management of Non-Interest Expense Drives Earnings 8 (1) Non-GAAP financial measure. Please refer to the calculation and management’s reason for using this measure on the slide titl ed “Non-GAAP Reconciliation” at the end of this presentation. • Salaries and employee benefits expense decreased primarily due to a decrease in incentive compensation expense in the first quarter of 2026 Highlights

© 2026 Fulton Financial Corporation. All rights reserved. Asset Quality 9 NPAs and NPAs / AssetsProvision for Credit Losses ACL(1) / NPLs and ACL / LoansNCOs and NCOs / Average Loans (m ill io ns ) (m ill io ns ) (m ill io ns ) (1) 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. Internal Capital Generation Enhancing Capital Ratios(1) 10 (4) (m ill io ns ) • Increasing regulatory capital ratios provide operational and strategic flexibility • Tangible capital (2) increased linked quarter by $20 million • AOCI of ($222) million at March 31, 2026 • Current common stock dividend of $0.19 • $126 million remaining share repurchase authorization in place through January 31, 2027 (3) Highlights (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 calculation and management’s reason for using this measure on the slide titled “Non-GAAP Reconciliation” at the end of this presentation. (3) Up to $25 million of the $150 million authorization may be used to repurchase the Corporation’s preferred stock, outstand ing subordinated notes due 2030 or outstanding subordinated notes due 2035. (4) 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. 2026 Operating Guidance(1) 11 Non-FTE NII(2) [FTE Adjustment for NIM Calculation] [Purchase Accounting Accretion] $1.120 – $1.140 billion [$16 - $18 million] [$50 - $55 million] Reflects mid single-digit organic loan growth plus Blue Foundry Bancorp acquisition [$4.0 - $4.5 million per quarter] Provision for Credit Losses $55 – $75 million Non-Interest Income $285 – $300 million Non-Interest Expense(3) Non-Operating Assumptions: [2026 CDI expense] [Non-Operating Expenses] $800 – $835 million [~$22.4 million] [~$38.4 million] Assumes Blue Foundry Bancorp operating non-interest expense of approximately $27 million Estimated Blue Foundry Bancorp acquisition-related expense and incremental FultonFirst implementation expense Effective Tax Rate: 18.5% – 19.5% Income Statement Line Item Expected Range Outlook (1) Assumes Blue Foundry Bank systems conversion is completed in 3Q26. (2) NII is on a non-FTE basis. Incorporates federal funds target rate cut of 25 bps in July 2026. (3) Excludes non-operating expenses and CDI amortization.

© 2026 Fulton Financial Corporation. All rights reserved. A Community Bank Strategy, Operating on a Regional Scale 13 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. • $32 billion in assets, approximately 200 financial centers, 200 commercial sales professionals, 100 mortgage 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 1.5x TBV(3) • Steady increase in shareholder value with a five-year CAGR in TBV per share, excluding AOCI(3), of 7.2% • Ten-year CAGR in common dividends of 7.8% • 3.46% dividend yield(4) • $126 million remaining of a $150 million share repurchase authorization(5) (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 per share is a non-GAAP financial measure. Please refer to the calculation and management’s reasons for using this measure on 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 $21.99 per share as of April 17, 2026. (5) Authorization expires January 31, 2027. 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. A Growing and Well-Positioned Franchise 14

© 2026 Fulton Financial Corporation. All rights reserved. Robust and Scalable Product Suite 15 Commercial Banking Consumer Banking Business Banking Treasury Management Wealth and Trust International Services Capital Markets Mortgage Banking • 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 ROBUST PRODUCTS AND SERVICES INDUSTRY-LEADING TECHNOLOGY PLATFORMS NIMBLE COMPETITIVE POSITION

© 2026 Fulton Financial Corporation. All rights reserved. We Do What is Right - Corporate Social Responsibility 16 • 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 Corporation’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 Corporation’s commitment to progressing its understanding of, and reporting on, climate-related risks and activities. PROTECTING THE ENVIRONMENT Environment The Corporation 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 Corporation to demonstrate the highest professional and ethical standards in all business activities. The Corporation operates under a robust board- and management-level enterprise risk management structure. CHANGING LIVES FOR THE BETTER Employees The Corporation is committed to creating a workforce culture that is welcoming, engaging and inclusive. Customers Fulton 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 Corporation gives back by paying it forward. READ THE REPORT

© 2026 Fulton Financial Corporation. All rights reserved. A Balanced Business Model Delivering Strong Returns 17 • Non-interest income as a percentage of revenue of approximately 21% • Wealth management accounts for approximately 1/3 of total non-interest income, delivering a 9% five-year TTM CAGR, AUM/AUA of $17.1 billion and over 85% in recurring income • Commercial banking businesses representing approximately 1/3 of total non-interest income • 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 • Ongoing investment 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 CRE concentration compared to peers(1) • Reduced financial center infrastructure over the last ten years, driving average deposits per financial center over $100 mill ion • Completed $4.8 billion transaction in 2024, $930.6 million acquisition in 2022 and acquired five wealth management firms sinc e 2018 • Operate in a target-rich market with over 40 in-market banking institutions that fit our M&A criteria and strategy • Effective April 1, 2026, closed the $2.1 billion Blue Foundry Bancorp acquisition • 1Q26 operating diluted EPS of $0.55(2) • Operating ROAA of 1.30%(2) in 1Q26 compared to 1.27%(2) in 4Q25 • 1Q26 operating ROATCE of 14.76%(2) compared to 14.86%(2) in 4Q25 • Efficiency ratio of 56.7%(2) and 60.0%(2) 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 and Innovative 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 Corporation’s proxy statement dated April 1, 2026. (2) Non -GAAP financial measure. Please refer to the calculation and management’s reasons for using this measure on slides titled “Non-GAAP Reconciliation” at the end of this presentation.

© 2026 Fulton Financial Corporation. All rights reserved. A Diversified Loan Portfolio with Growth in Multiple Categories 18 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 18 (b ill io ns ) (1) Loan mix by product is based on ending balances for the periods ended December 31, 2020 to March 31, 2026. The C&I catego ry 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. A Deposit Portfolio That Is Granular, Tenured and Diversified With Significant Liquidity Coverage 19 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 Deposit Mix By Customer 19 (b ill io ns ) (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. 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 EFFR (avg) 5.33% 5.26% 4.65% 4.33% 4.33% 4.29% 3.90% 3.64% Loan Yield 6.12% 6.20% 5.97% 5.86% 5.86% 5.93% 5.82% 5.70% Deposit Cost 2.14% 2.24% 2.14% 2.03% 1.98% 1.96% 1.86% 1.78% Quarterly Yields, Costs and Average Effective Federal Funds Rate ("EFFR") History of Prudently Managing Deposit Costs During Fed Easing Cycles With Strategies in Place to Drive a Neutral Interest Rate Risk Position 20 Historical Deposit Costs and Loan and Deposit Betas(1) Highlights • Managed deposit costs to a 42% beta during the 2007 – 2011 easing cycle in a high-rate environment • Lower deposit beta in 2019 – 2020 attributable to a lower rate environment and inflow of deposits • Cycle to date deposit costs have benefited from time deposit repricing as the Fed has cut rates • Fixed asset repricing and balance sheet mix has benefited loan beta relative to historical cycles • Over $3 billion of receive fixed swaps, floors and collars, helping to neutralize the interest rate risk profile • Fed dot plot implies additional 25 bps of easing through 2026. Strategies in place to manage funding costs 20 Quarterly & Cycle to Date Yields, Costs & Betas (1) Fulton historical data – S&P Capital IQ. Quarterly Average EFFR – Federal Reserve Bank of St. Louis.

© 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 21 Interest Earning Assets 21 (March 31, 2026) Interest-Bearing Liabilities(3) (March 31, 2026) Variable Rate Loans Non-maturity Deposits Fixed and Adjustable Asset Repricing Schedule (m ill io ns ) (m ill io ns ) (m ill io ns ) (m ill io ns ) Time Deposits and Borrowings Repricing Schedule (2) (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. Mature and Growing Wealth Management Businesses, Consistent Non-interest Income and Diversified Client Base Delivering Solid Results(1) 22 Over 85% Recurring Income Client and Market Aligned Growth $93.3 Million TTM(3) Non-Interest Income Five Year CAGR of 9% Five Wealth Management Acquisitions Since 2018 Organic and Analytics Based Growth Strategy Wealth Management AUM/AUA(2) (b ill io ns ) (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. Material and Consistent Fee Income, Robust Suite of Commercial and Consumer Services 23 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) (t ho us an ds ) (t ho us an ds ) (1) TTM through March 31, 2026 (2) Does not include gain on sale from residential mortgages. (1) (1)

© 2026 Fulton Financial Corporation. All rights reserved. Solid Asset Quality Trends Through Many Cycles 24 Quarterly Delinquency Trend (%) Quarterly NCO Trend (Annualized %) Sources: Top 100 Commercial Banks and All Commercial Banks - Board of Governors of the Federal Reserve System (Top 100 Commercial Banks are the 100 largest banks based on consolidated assets); Fulton historical data – S&P Capital IQ. Delinquency rates are non-seasonally adjusted and determined based on loans and leases past due 30 days or more and non-accrual loans. Charge-off rates are non- seasonally adjusted and are net of recoveries.

© 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 bps Basis point or basis points C&I Commercial and industrial CAGR Compound annual growth rate CD Certificate of deposit CDI Core deposit intangible CET1 Common equity tier 1 capital CRE Commercial real estate EFFR Effective federal funds rate EPS Earnings per share FDIC Federal Deposit Insurance Corporation Fed Board of Governors of the Federal Reserve System FTE Fully taxable-equivalent Fulton or the Corporation Fulton Financial Corporation GAAP Generally accepted accounting principles Term/Acronym Defined As M&A Mergers and acquisitions 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. Three months ended (dollars in thousands) Mar 31 Dec 31 2026 2025 Operating net income available to common shareholders Net income available to common shareholders 92,199$ 96,408$ Less: Other(1) - (4,989) Plus: CDI amortization 5,255 5,255 Plus: Acquisition-related expense 2,644 802 Plus: FDIC special assessment - (95) Plus: FultonFirst implementation and asset disposals 1,556 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 net income available to common shareholder, per share (diluted) 0.55$ 0.55$ Non-GAAP Reconciliation 27 Note: The Corporation has presented the following 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. 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. (1) Includes loan recovery adjustments of $5.0 million in the fourth quarter of 2025 reflected in the provision for credit lo sses 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 31 Dec 31 2026 2025 Operating ROAA(1) Net income 94,761$ 98,970$ Less: Other(2) - (4,989) Plus: CDI amortization 5,255 5,255 Plus: Acquisition-related expense 2,644 802 Plus: FDIC special assessment - (95) Plus: FultonFirst implementation and asset disposals 1,556 2,795 Less: Tax impact of adjustments (1,985) (791) Operating net income (numerator) 102,231$ 101,947$ Total average assets 31,999,228$ 32,013,163$ Less: Average net CDI (54,629) (60,726) Total operating average assets (denominator) 31,944,599$ 31,952,437$ Operating ROAA 1.30% 1.27% Non-GAAP Reconciliation 28 (1) Annualized. (2) Includes loan recovery adjustments of $5.0 million in the fourth quarter of 2025 reflected in the provision for credit lo sses 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 31 Dec 31 2026 2025 Operating ROATCE(1) Net income available to common shareholders 92,199$ 96,408$ Less: Other(2) - (4,989) Plus: Intangible amortization 5,349 5,365 Plus: Acquisition-related expense 2,644 802 Plus: FDIC special assessment - (95) Plus: FultonFirst implementation and asset disposals 1,556 2,795 Less: Tax impact of adjustments (2,005) (814) Adjusted net income available to common shareholders (numerator) 99,743$ 99,472$ Average shareholders' equity 3,543,911$ 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 ROATCE 14.76% 14.86% Non-GAAP Reconciliation 29 (1) Annualized. (2) Includes loan recovery adjustments of $5.0 million in the fourth quarter of 2025 reflected in the provision for credit lo sses 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 31 Dec 31 2026 2025 Operating non-interest expense to total average assets (1) Non-interest expense 200,294$ 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 assets 2.42% 2.53% Non-GAAP Reconciliation 30 (1) Annualized.

© 2026 Fulton Financial Corporation. All rights reserved. Three months ended (dollars in thousands) Mar 31 Dec 31 2026 2025 Operating PPNR to average assets(1) Plus: NII 262,023$ 266,042$ Plus: Non-interest income 69,841 69,980 Less: Non-interest expense (200,294) (212,985) Plus: Other revenue - 11 Plus: CDI amortization 5,255 5,255 Plus: Acquisition-related expense 2,644 802 Plus: FDIC special assessment - (95) Plus: FultonFirst implementation and asset disposals 1,556 2,795 Operating PPNR (numerator) 141,025$ 131,805$ Total average assets 31,999,228$ 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 assets 1.79% 1.64% Non-GAAP Reconciliation 31 (1) Annualized.

© 2026 Fulton Financial Corporation. All rights reserved. (dollars in thousands) Mar 31 Dec 31 Sep 30 Jun 30 Mar 31 2026 2025 2025 2025 2025 Efficiency ratio Non-interest expense 200,294$ 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$ NII 262,023$ 266,042$ 264,198$ 254,921$ 251,187$ Tax equivalent adjustment 4,302 4,416 4,436 4,389 4,340 Plus: Total non-interest income 69,841 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 ratio 56.7% 60.0% 56.5% 57.1% 56.7% Three months ended Non-GAAP Reconciliation 32

© 2026 Fulton Financial Corporation. All rights reserved. Three months ended (dollars in thousands) Mar 31 Dec 31 2026 2025 Tangible common shareholders' equity Shareholders' equity 3,505,283$ 3,490,447$ Less: Preferred stock (192,878) (192,878) Less: Goodwill and intangible assets (607,647) (612,996) Tangible common shareholders' equity 2,704,758$ 2,684,573$ Non-GAAP Reconciliation 33

© 2026 Fulton Financial Corporation. All rights reserved. Three months ended (dollars in thousands, except per share data) Mar 31 Mar 31 2026 2021 TBV per share Shareholders' equity 3,505,283$ 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 share 15.12$ 11.69$ Book value per share 18.52$ 14.99$ TBV per share excluding AOCI Shareholders' equity 3,505,283$ 2,629,655$ Less: Preferred stock (192,878) (192,878) Less: Goodwill and intangible assets (607,647) (536,544) Tangible common shareholders' equity 2,704,758$ 1,900,233$ Less: AOCI (221,887) 25,838 Tangible common shareholders' equity excluding AOCI 2,926,645$ 1,874,395$ Shares outstanding, end of period (denominator) 178,843 162,517 TBV per share excluding AOCI 16.36$ 11.53$ Non-GAAP Reconciliation 34

Source: View Original Filing on SEC EDGAR

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