Fulton Bank

What sets Fulton Bank apart

How large is Fulton Bank?

The balance sheet of Fulton Bank at Q2 2026: assets $32.6 bn, deposits $27.4 bn, net loans $24.0 bn (loans equal to 87.72% of deposits). Securities make up 15.6% of total assets at Fulton Bank. Since Q1 2016, when Fulton Bank held $10.0 bn, its assets grew 227.2%. In the year to Q2 2026, deposits at Fulton Bank rose 3.9% while its total assets rose 2.1%. At Q2 2026, Fulton Bank employed 3,416 full-time equivalent staff across 208 offices, about $9.5 mn of assets per employee and $131.8 mn of deposits per office.

How much funding at Fulton Bank is uninsured?

At Fulton Bank, uninsured deposits (above the FDIC limit) made up 40.46% of domestic deposits at Q2 2026 (+1.20 pp on a year earlier); Fulton Bank ranks 178th of 500 on this measure. In dollars, Fulton Bank estimated $11.1 bn of uninsured deposits.

Key facts, Q2 2026

US rank of Fulton Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of Fulton Bank stood at 13.03% in Q2 2026, +0.60 pp year on year. Low and high at Fulton Bank since Q1 2016: 10.61% (Q2 2017) to 13.03% (Q2 2026). Equity capital of Fulton Bank at Q2 2026: $3.6 bn, or 11.0% of total assets. Fulton Bank also reported a total capital ratio of 14.46% for Q2 2026, and a tier 1 leverage ratio of 10.20%.

On held-to-maturity securities, Fulton Bank carried an unrealized loss of $168.0 mn at Q2 2026, equal to 4.7% of equity capital. The loss narrowed by $12.2 mn over the year. Its deepest point: $259.9 mn in Q3 2023. The available-for-sale portfolio of Fulton Bank showed an unrealized loss of $239.8 mn at Q2 2026; the loss narrowed by $63.2 mn over the year.

For the year to Q2 2026, Fulton Bank earned a return on equity of 11.84%; return on assets: 1.30%. Net interest margin at Fulton Bank: 3.64%, +0.12 pp in a year. Fulton Bank net income: $210.1 mn, up 2.2% year on year. The efficiency ratio of Fulton Bank was 57.38%: about 57 cents cost per revenue dollar, against 58 cents at the median peer.

At Q2 2026, noncurrent loans were 0.71% of total loans at Fulton Bank; net charge-offs: 0.30% of average loans. Gross loans and leases at Fulton Bank: $24.4 bn, up 1.5% in a year.

The peer group of Fulton Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 2 share the charter type of Fulton Bank (national bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Pennsylvania. Against them, Fulton Bank shows CET1 ratio 13.03% against a peer median of 12.82%, return on equity 11.84% against a peer median of 9.13% and uninsured deposit share 40.46% against a peer median of 35.81%.

The FDIC history of Fulton Bank, oldest first; figures before and after each event are not like for like.

1. 13 October 2018. Absorbed FNB Bank, National Association (FDIC certificate 7459).
2. 13 October 2018. Absorbed Swineford National Bank (FDIC certificate 7774).
3. 18 May 2019. Absorbed Fulton Bank of New Jersey (FDIC certificate 27614).
4. 14 September 2019. Absorbed The Columbia Bank (FDIC certificate 27244).
5. 14 September 2019. Absorbed Lafayette Ambassador Bank (FDIC certificate 11106).
6. 5 November 2022. Absorbed Prudential Bank (FDIC certificate 30011).
7. 26 April 2024. Acquired the failed Republic Bank from the FDIC as receiver (FDIC certificate 27332).
8. 13 July 2026. Absorbed Blue Foundry Bank (FDIC certificate 30052).

Large one-quarter moves at Fulton Bank

• Total assets at Fulton Bank changed by +34.6% in the quarter to 2019-06-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Fulton Bank of New Jersey.
• Total assets at Fulton Bank changed by +26.2% in the quarter to 2019-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Lafayette Ambassador Bank, The Columbia Bank.