# EDGAR Filing Document

**Accession Number:** 0000700564
**File Stem:** 0000700564-26-000002
**Filing Date:** 2026-1
**Character Count:** 137569
**Document Hash:** 862968fd80fc4361ffb202039c67d2cb
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000700564-26-000002.hdr.sgml**: 20260121

**ACCESSION NUMBER**: 0000700564-26-000002

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 53

**CONFORMED PERIOD OF REPORT**: 20260121

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260121

**DATE AS OF CHANGE**: 20260121

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FULTON FINANCIAL CORP
- **CENTRAL INDEX KEY:** 0000700564
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 232195389
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-39680
- **FILM NUMBER:** 26548324

**BUSINESS ADDRESS:**
- **STREET 1:** ONE PENN SQ
- **STREET 2:** PO BOX 4887
- **CITY:** LANCASTER
- **STATE:** PA
- **ZIP:** 17604
- **BUSINESS PHONE:** 7172912411

**MAIL ADDRESS:**
- **STREET 1:** ONE PENN SQ
- **STREET 2:** PO BOX 4887
- **CITY:** LANCASTER
- **STATE:** PA
- **ZIP:** 17604

?xml version='1.0' encoding='ASCII'? fult-20260121

**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**

January 21, 2026

Date of Report (date of earliest event reported)

**Fulton Financial Corporation** 

**(Exact name of registrant as specified in its charter)**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Pennsylvania** | **Pennsylvania** | **001-39680** | **001-39680** | **23-2195389** |
| (State or other jurisdiction of incorporation) | (State or other jurisdiction of incorporation) | (Commission File Number) | (Commission File Number) | (I.R.S. Employer Identification No.) |
| **One Penn Square,** | **P.O. Box 4887** | **Lancaster,** | **Pennsylvania** | **17604** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (Address of Principal Executive Offices) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (Address of Principal Executive Offices) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (Address of Principal Executive Offices) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (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.

□

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**<u>Item 2.02 Results of Operations and Financial Condition.</u>**

&nbsp;&nbsp;&nbsp;&nbsp;On January 21, 2026, Fulton Financial Corporation (the "Corporation") issued a press release (the "Press Release") announcing its results of operations for the fourth quarter and year ended December 31, 2025. 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, <u>www.fultonbank.com</u>, presentation materials the Corporation intends to use during a conference call and webcast to discuss those results on Wednesday, January 22, 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.&nbsp;&nbsp;&nbsp;&nbsp;

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 "2025 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, 2024, Quarterly Reports on Form 10-Q for the quarters ended March 31, 2025, June 30, 2025, September 30, 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 (<u>www.fultonbank.com</u>) and on the SEC's website (<u>www.sec.gov</u>).

------

**<u>Item 9.01 Financial Statements and Exhibits.</u>**

(d)&nbsp;&nbsp;&nbsp;&nbsp;Exhibits.

---

| | |
|:---|:---|
| **<u>Exhibit No.</u>** | **<u>Description</u>** |
| <u>[99.1](exhibit991123125earningsre.htm)</u> | Press release dated January 21, 2026 containing financial information for the third quarter and nine months ended December 31, 2025, deemed filed under the Securities Exchange Act of 1934. |
| <u>[99.2](exhibit992fultinvestorpr.htm)</u> | Presentation materials to be discussed during the conference call and webcast on January 22, 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: January 21, 2026 | **FULTON FINANCIAL CORPORATION** |
|  | By: /s/ Richard S. Kraemer |
|  | &nbsp;&nbsp;&nbsp;&nbsp; Richard S. Kraemer |
|  | &nbsp;&nbsp;&nbsp;&nbsp; Senior Executive Vice President and |
|  | &nbsp;&nbsp;&nbsp;&nbsp; Chief Financial Officer |

---

## Exhibit 99.1

**Exhibit 99.1**

**<u>FULTON FINANCIAL</u>**

CORPORATION

FOR IMMEDIATE RELEASE

Media Contact: Lacey Dean (717) 735-8688

Investor Contact: Rick Kraemer (717) 327-2567

**Fulton Financial Corporation Announces 2025 Fourth Quarter and Full-Year Results**

(January 21, 2026) – Lancaster, PA – Fulton Financial Corporation (NASDAQ: FULT) ("Fulton" or the "Corporation") reported net income available to common shareholders of $96.4 million, or $0.53 per diluted share, for the fourth quarter of 2025, a decrease of $1.5 million in comparison to the third quarter of 2025. Operating net income available to common shareholders for the three months ended December 31, 2025 was $99.4 million<sup>(1)</sup>, or $0.55 per diluted share<sup>(1)</sup>, a decrease of $1.9 million in comparison to the third quarter of 2025.

Net income available to common shareholders for the year ended December 31, 2025 was $381.4 million, or $2.08 per diluted share, an increase of $102.9 million, or $0.51 per diluted share, in comparison to the year ended December 31, 2024. Operating net income available to common shareholders for the year ended December 31, 2025, was $396.8 million<sup>(1)</sup>, or $2.16 per diluted share<sup>(1)</sup>, an increase of $68.7 million, or $0.31 per diluted share, in comparison to the year ended December 31, 2024.

"The strength of our strategy and the dedication of our team combined to generate a 17% increase in our operating diluted earnings per share," said Curtis J. Myers, Fulton Chairman, CEO and President. "In 2025, we delivered value to customers, expanded our team and customer base, and generated solid financial performance."

**<u>Financial Highlights</u>**

**Fourth quarter of 2025 operating results of $0.55 per diluted share**<sup>(1)</sup> **were impacted by the following items:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Solid net interest margin of 3.59%, with a 13 basis point decrease in total cost of funds compared to the prior quarter.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Non-interest income decreased $0.4 million to $70.0 million compared to $70.4 million in the prior quarter.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Non-interest expense increased $16.4 million to $213.0 million compared to $196.6 million in the prior quarter. Operating non-interest expense increased $12.7 million to $204.1 million<sup>(1)</sup> compared to $191.4 million in the prior quarter.

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Provision for credit losses was $2.9 million resulting in an allowance for credit losses attributable to net loans of $364.5 million, or 1.51% of total net loans as of December 31, 2025.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Common equity tier 1 capital ratio<sup>(2)</sup> increased to approximately 11.8% compared to 11.6% in the prior quarter.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• During the fourth quarter of 2025, 1,082,678 shares of the Corporation's common stock were repurchased under the 2025 Repurchase Program<sup>(3)</sup> at a cost of $19.9 million or an average of $18.34 per share. The Corporation repurchased $59.0 million of common stock under the 2025 Repurchase Program as of December 31, 2025.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On December 16, 2025, the Corporation announced that its Board of Directors approved the 2026 Repurchase Program<sup>(4)</sup>. Under the 2026 Repurchase Program, the Corporation is authorized to repurchase up to $150 million of shares of its common stock and certain other securities.

**The following items highlight notable changes in the components of net income in the fourth quarter of 2025 compared to the third quarter of 2025:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Net interest income totaled $266.0 million, an increase of $1.8 million. A $5.9 million decrease in interest expense on deposits, a $3.6 million decrease in interest expense on other borrowings and other interest-bearing liabilities and a $1.3 million increase in interest income on other interest-earning assets were partially offset by decreases of $6.4 million in interest income on net loans and $2.4 million in interest income on investments securities. Purchase loan mark accretion from loans acquired in the Acquisition<sup>(5)</sup> was $10.5 million in the fourth quarter of 2025 compared to $12.7 million in the prior quarter.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Non-interest income before investment securities gains (losses) was $70.0 million compared to $70.4 million in the prior quarter. The $0.4 million decrease was primarily due to a decrease of $1.7 million in income from equity method investments and a $1.1 million gain on sale of commercial loans in the prior quarter, both reflected in other non-interest income, which were partially offset by increases of $1.2 million in wealth management revenues, $0.9 million in commercial customer derivative fee income, reflected in capital markets income, and $0.6 million in small business administration income, reflected in other commercial banking income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Non-interest expense was $213.0 million compared to $196.6 million in the prior quarter. The $16.4 million increase in non-interest expense was primarily due to a $10.4 million increase in salaries and employee benefits expense largely due to increases of $7.5 million in incentive compensation expense, $1.0 million in employee healthcare expense and $0.6 million in employee severance expense. Additionally, increases of $1.6 million in net occupancy expense largely due to snow removal and maintenance costs, and $1.2 million in data processing and software expense contributed to the increase in non-interest expense.

------

**<u>Balance Sheet Summary</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Total net loans totaled $24.1 billion, an increase of $103.4 million, compared to $24.0 billion as of September 30, 2025. The increase was largely due to increases of $73.4 million in consumer loans<sup>(6)</sup> and $30.0 million in commercial loans.<sup>(6)</sup> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Deposits totaled $26.6 billion, an increase of $256.9 million, compared to $26.3 billion as of September 30, 2025. The increase was primarily due to increases of $145.4 million in brokered deposits, $119.9 million in noninterest-bearing demand deposits and $95.2 million in savings deposits, partially offset by decreases of $65.2 million in interest-bearing demand deposits and $38.3 million in time deposits.

**<u>Provision for Credit Losses and Asset Quality</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The provision for credit losses was $2.9 million in the fourth quarter of 2025, resulting in a $364.5 million allowance for credit losses attributable to net loans, or 1.51% of total net loans as of December 31, 2025, compared to $376.3 million, or 1.57% of total net loans as of September 30, 2025.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Non-performing assets were $185.2 million, or 0.58% of total assets, as of December 31, 2025, in comparison to $201.0 million, or 0.63% of total assets, as of September 30, 2025.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Annualized net charge-offs for the fourth quarter of 2025 were 0.24% of total average loans in comparison to 0.18% in the prior quarter.

Additional information on Fulton is available on the Internet at www.fultonbank.com.

<sup>(1)</sup> 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.

<sup>(2)</sup> Regulatory capital ratios as of December 31, 2025, are preliminary estimates and prior periods are actual.

<sup>(3)</sup> The 2025 Repurchase Program represented the authorization, commencing on January 1, 2025 and expiring on December 31, 2025, to repurchase up to $125 million of the Corporation's common stock. Under this authorization, up to $25 million of the $125 million authorization could be used to repurchase the Corporation's preferred stock and outstanding subordinated notes due 2030. As permitted by securities laws and other legal requirements and subject to market conditions and other factors, purchases were made from time to time under the 2025 Repurchase Program in open market or privately negotiated transactions, including without limitation, through accelerated share repurchase transactions.

<sup>(4)</sup> 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.

------

<sup>(5)</sup> 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 "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.

<sup>(6)</sup> Commercial loans include real estate - commercial mortgage, commercial and industrial, leases and other loans and includes a decrease in commercial construction loans of $158.4 million, reflected in real estate - construction. Consumer loans include real estate - residential mortgage, real estate - home equity, consumer and includes a decrease of $6.1 million in residential construction loans, reflected in real estate - construction.

Note: Some numbers contained in this document may not sum due to rounding.

------

**<u>Safe Harbor Statement</u>**

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, 2024, Quarterly Reports on Form 10-Q for the quarters ended March 31, 2025, June 30, 2025, September 30, 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), including, without limitation, the Cautionary Note Regarding Forward-Looking Statements set forth in the Current Report on Form 8-K filed by the Corporation on November 25, 2025.

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**<u>Non-GAAP Financial Measures</u>**

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** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | | | |
| **SUMMARY CONSOLIDATED FINANCIAL INFORMATION (UNAUDITED)** | **SUMMARY CONSOLIDATED FINANCIAL INFORMATION (UNAUDITED)** | **SUMMARY CONSOLIDATED FINANCIAL INFORMATION (UNAUDITED)** | | | |
| **(dollars in thousands, except per share and shares data)** | **(dollars in thousands, except per share and shares data)** | **(dollars in thousands, except per share and shares data)** | | | |
| | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** |
| | **Dec 31** | **Sep 30** | **Jun 30** | **Mar 31** | **Dec 31** |
|  | **2025** | **2025** | **2025** | **2025** | **2024** |
| **<u>Ending Balances</u>** |  |  |  |  |  |
| Investment securities<sup>(1)</sup> | $4833744 | $5045270 | $5093027 | $5071323 | $4806468 |
| Net loans | 24144884 | 24041489 | 24012539 | 23862574 | 24044919 |
| Total assets | 32118400 | 31995086 | 32040448 | 32132028 | 32071810 |
| Deposits | 26589407 | 26332490 | 26138067 | 26328972 | 26129433 |
| Shareholders' equity | 3490447 | 3413598 | 3329246 | 3274321 | 3197325 |
| **<u>Average Balances</u>** |  |  |  |  |  |
| Investment securities<sup>(1)</sup> | 4921669 | 5025072 | 5084371 | 4906952 | 4771537 |
| Net loans | 24053089 | 24020322 | 23899743 | 24006863 | 24068784 |
| Total assets | 32013163 | 31924038 | 31901574 | 31971601 | 32098852 |
| Deposits | 26537659 | 26298680 | 26125602 | 26169883 | 26313378 |
| Shareholders' equity | 3464539 | 3361368 | 3304015 | 3254125 | 3219026 |
| **<u>Income Statement</u>** |  |  |  |  |  |
| Net interest income | 266042 | 264198 | 254921 | 251187 | 253659 |
| Provision for credit losses | 2948 | 10245 | 8607 | 13898 | 16725 |
| Non-interest income | 69980 | 70407 | 69148 | 67232 | 65924 |
| Non-interest expense | 212986 | 196574 | 192811 | 189460 | 216615 |
| Income before taxes | 120088 | 127786 | 122651 | 115061 | 86243 |
| Net income available to common shareholders | 96408 | 97892 | 96636 | 90425 | 66058 |
| **<u>Per Share</u>** |  |  |  |  |  |
| Net income available to common shareholders (basic) | $0.53 | $0.54 | $0.53 | $0.50 | $0.36 |
| Net income available to common shareholders (diluted) | $0.53 | $0.53 | $0.53 | $0.49 | $0.36 |
| Operating net income available to common shareholders<sup>(2)</sup> | $0.55 | $0.55 | $0.55 | $0.52 | $0.48 |
| Cash dividends | $0.19 | $0.18 | $0.18 | $0.18 | $0.18 |
| Common shareholders' equity | $18.33 | $17.81 | $17.20 | $16.91 | $16.50 |
| Common shareholders' equity (tangible)<sup>(2)</sup> | $14.92 | $14.39 | $13.78 | $13.46 | $13.01 |
| Weighted average shares (basic) | 180405 | 181658 | 182261 | 182179 | 182032 |
| Weighted average shares (diluted) | 182197 | 183349 | 183813 | 184077 | 183867 |
| <sup>(1)</sup> Includes related unrealized holding gains (losses) for available for sale ("AFS") securities. | <sup>(1)</sup> Includes related unrealized holding gains (losses) for available for sale ("AFS") securities. | <sup>(1)</sup> Includes related unrealized holding gains (losses) for available for sale ("AFS") securities. | <sup>(1)</sup> Includes related unrealized holding gains (losses) for available for sale ("AFS") securities. | <sup>(1)</sup> Includes related unrealized holding gains (losses) for available for sale ("AFS") securities. | <sup>(1)</sup> Includes related unrealized holding gains (losses) for available for sale ("AFS") securities. |
| <sup>(2)</sup> Non-GAAP financial measure. Refer to the calculation on the page titled "Reconciliation of Non-GAAP Measures" at the end of this press release. | <sup>(2)</sup> Non-GAAP financial measure. Refer to the calculation on the page titled "Reconciliation of Non-GAAP Measures" at the end of this press release. | <sup>(2)</sup> Non-GAAP financial measure. Refer to the calculation on the page titled "Reconciliation of Non-GAAP Measures" at the end of this press release. | <sup>(2)</sup> Non-GAAP financial measure. Refer to the calculation on the page titled "Reconciliation of Non-GAAP Measures" at the end of this press release. | <sup>(2)</sup> Non-GAAP financial measure. Refer to the calculation on the page titled "Reconciliation of Non-GAAP Measures" at the end of this press release. | <sup>(2)</sup> Non-GAAP financial measure. Refer to the calculation on the page titled "Reconciliation of Non-GAAP Measures" at the end of this press release. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** |
| | **Dec 31**<br>**2025** | **Sep 30**<br>**2025** | **Jun 30**<br>**2025** | **Mar 31**<br>**2025** | **Dec 31**<br>**2024** |
| **<u>Asset Quality</u>** |  |  |  |  |  |
| Net charge-offs to average loans (annualized) | 0.24% | 0.18% | 0.20% | 0.21% | 0.22% |
| Non-performing loans to total net loans | 0.76% | 0.83% | 0.89% | 0.82% | 0.92% |
| Non-performing assets to total assets | 0.58% | 0.63% | 0.67% | 0.62% | 0.69% |
| ACL - loans<sup>(1)</sup> to total loans | 1.51% | 1.57% | 1.57% | 1.59% | 1.58% |
| ACL - loans<sup>(1)</sup> to non-performing loans | 198% | 189% | 177% | 193% | 172% |
| **<u>Profitability</u>** |  |  |  |  |  |
| Return on average assets | 1.23% | 1.25% | 1.25% | 1.18% | 0.85% |
| Operating return on average assets<sup>(2)</sup> | 1.27% | 1.29% | 1.30% | 1.25% | 1.14% |
| Return on average common shareholders' equity | 11.69% | 12.26% | 12.46% | 11.98% | 8.68% |
| Operating return on average common shareholders' equity (tangible)<sup>(2)</sup> | 14.86% | 15.79% | 16.26% | 15.95% | 14.83% |
| Net interest margin | 3.59% | 3.57% | 3.47% | 3.43% | 3.41% |
| Efficiency ratio<sup>(2)</sup> | 60.0% | 56.5% | 57.1% | 56.7% | 58.4% |
| Non-interest expense to total average assets | 2.64% | 2.44% | 2.42% | 2.40% | 2.68% |
| Operating non-interest expense to total average assets<sup>(2)</sup> | 2.53% | 2.38% | 2.36% | 2.32% | 2.36% |
| **<u>Capital Ratios</u>**<sup>(3)</sup> |  |  |  |  |  |
| Tangible common equity ratio ("TCE")<sup>(2)</sup> | 8.5% | 8.3% | 8.0% | 7.8% | 7.5% |
| Tier 1 leverage ratio | 9.7% | 9.6% | 9.4% | 9.2% | 9.0% |
| Common equity Tier 1 capital ratio | 11.8% | 11.6% | 11.3% | 11.1% | 10.8% |
| Tier 1 risk-based capital ratio | 12.6% | 12.4% | 12.1% | 11.9% | 11.5% |
| Total risk-based capital ratio | 15.2% | 15.0% | 14.7% | 14.5% | 14.3% |
| <sup>(1)</sup> "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 <br>&nbsp;&nbsp;&nbsp;&nbsp;("OBS") credit exposures. | <sup>(1)</sup> "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 <br>&nbsp;&nbsp;&nbsp;&nbsp;("OBS") credit exposures. | <sup>(1)</sup> "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 <br>&nbsp;&nbsp;&nbsp;&nbsp;("OBS") credit exposures. | <sup>(1)</sup> "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 <br>&nbsp;&nbsp;&nbsp;&nbsp;("OBS") credit exposures. | <sup>(1)</sup> "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 <br>&nbsp;&nbsp;&nbsp;&nbsp;("OBS") credit exposures. | <sup>(1)</sup> "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 <br>&nbsp;&nbsp;&nbsp;&nbsp;("OBS") credit exposures. |
| <sup>(2)</sup> Non-GAAP financial measure. Refer to the calculation on the page titled "Reconciliation of Non-GAAP Measures" at the end of this press release. | <sup>(2)</sup> Non-GAAP financial measure. Refer to the calculation on the page titled "Reconciliation of Non-GAAP Measures" at the end of this press release. | <sup>(2)</sup> Non-GAAP financial measure. Refer to the calculation on the page titled "Reconciliation of Non-GAAP Measures" at the end of this press release. | <sup>(2)</sup> Non-GAAP financial measure. Refer to the calculation on the page titled "Reconciliation of Non-GAAP Measures" at the end of this press release. | <sup>(2)</sup> Non-GAAP financial measure. Refer to the calculation on the page titled "Reconciliation of Non-GAAP Measures" at the end of this press release. | <sup>(2)</sup> Non-GAAP financial measure. Refer to the calculation on the page titled "Reconciliation of Non-GAAP Measures" at the end of this press release. |
| <sup>(3)</sup> Regulatory capital ratios as of December 31, 2025 are preliminary estimates and prior periods are actual. | <sup>(3)</sup> Regulatory capital ratios as of December 31, 2025 are preliminary estimates and prior periods are actual. | <sup>(3)</sup> Regulatory capital ratios as of December 31, 2025 are preliminary estimates and prior periods are actual. | <sup>(3)</sup> Regulatory capital ratios as of December 31, 2025 are preliminary estimates and prior periods are actual. | <sup>(3)</sup> Regulatory capital ratios as of December 31, 2025 are preliminary estimates and prior periods are actual. | <sup>(3)</sup> Regulatory capital ratios as of December 31, 2025 are preliminary estimates and prior periods are actual. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | |
| **CONDENSED CONSOLIDATED ENDING BALANCE SHEETS (UNAUDITED)** | **CONDENSED CONSOLIDATED ENDING BALANCE SHEETS (UNAUDITED)** | **CONDENSED CONSOLIDATED ENDING BALANCE SHEETS (UNAUDITED)** | **CONDENSED CONSOLIDATED ENDING BALANCE SHEETS (UNAUDITED)** | **CONDENSED CONSOLIDATED ENDING BALANCE SHEETS (UNAUDITED)** | |
| **(dollars in thousands)** | **(dollars in thousands)** | **(dollars in thousands)** | **(dollars in thousands)** | **(dollars in thousands)** | |
| | **Dec 31** | **Sep 30** | **Jun 30** | **Mar 31** | **Dec 31** |
|  | **2025** | **2025** | **2025** | **2025** | **2024** |
| **<u>ASSETS</u>** | **<u>ASSETS</u>** |  |  |  |  |
| Cash and due from banks | $271463 | $307267 | $362280 | $388503 | $279041 |
| Other interest-earning assets | 911155 | 643111 | 583899 | 778117 | 924404 |
| Loans held for sale | 16316 | 19875 | 23281 | 15965 | 25618 |
| Investment securities | 4833744 | 5045270 | 5093027 | 5071323 | 4806468 |
| Net loans | 24144884 | 24041489 | 24012539 | 23862574 | 24044919 |
| Less: ACL - loans<sup>(1)</sup> | (364462) | (376258) | (377337) | (379677) | (379156) |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans, net | 23780422 | 23665231 | 23635202 | 23482897 | 23665763 |
| Net premises and equipment | 175240 | 178644 | 184290 | 186873 | 195527 |
| Accrued interest receivable | 113698 | 114003 | 117130 | 116215 | 117029 |
| Goodwill and intangible assets | 612996 | 618361 | 623729 | 629189 | 635458 |
| Other assets | 1403366 | 1403324 | 1417610 | 1462946 | 1422502 |
| **&nbsp;&nbsp;&nbsp;&nbsp;Total Assets** | $32118400 | $31995086 | $32040448 | $32132028 | $32071810 |
| **<u>LIABILITIES AND SHAREHOLDERS' EQUITY</u>** | **<u>LIABILITIES AND SHAREHOLDERS' EQUITY</u>** |  |  |  |  |
| Deposits | $26589407 | $26332490 | $26138067 | $26328972 | $26129433 |
| Borrowings | 1297375 | 1471961 | 1773900 | 1657200 | 1782048 |
| Other liabilities | 741171 | 777037 | 799235 | 871535 | 963004 |
| **&nbsp;&nbsp;&nbsp;&nbsp;Total Liabilities** | 28627953 | 28581488 | 28711202 | 28857707 | 28874485 |
| Shareholders' equity | 3490447 | 3413598 | 3329246 | 3274321 | 3197325 |
| **&nbsp;&nbsp;&nbsp;&nbsp;Total Liabilities and Shareholders' Equity** | $32118400 | $31995086 | $32040448 | $32132028 | $32071810 |
| **<u>LOANS, DEPOSITS AND BORROWINGS DETAIL:</u>** | **<u>LOANS, DEPOSITS AND BORROWINGS DETAIL:</u>** | **<u>LOANS, DEPOSITS AND BORROWINGS DETAIL:</u>** |  |  |  |
| **Loans, by type:** | **Loans, by type:** |  |  |  |  |
| Real estate - commercial mortgage | $9820944 | $9734156 | $9678038 | $9676517 | $9601858 |
| Commercial and industrial | 4539060 | 4437905 | 4541765 | 4531266 | 4605589 |
| Real estate - residential mortgage | 6669993 | 6617017 | 6511687 | 6409657 | 6349643 |
| Real estate - home equity | 1242831 | 1214399 | 1193410 | 1170470 | 1160616 |
| Real estate - construction | 970298 | 1134748 | 1155099 | 1175445 | 1394899 |
| Consumer | 564349 | 566291 | 583949 | 597305 | 616856 |
| Leases and other loans<sup>(2)</sup> | 337409 | 336973 | 348591 | 301914 | 315458 |
| **Total Net Loans** | $24144884 | $24041489 | $24012539 | $23862574 | $24044919 |
| **Deposits, by type:** | **Deposits, by type:** |  |  |  |  |
| Noninterest-bearing demand | $5256096 | $5136210 | $5337771 | $5435934 | $5499760 |
| Interest-bearing demand | 7970188 | 8035393 | 7593083 | 7804388 | 7843604 |
| Savings | 8512829 | 8417678 | 8271925 | 8208526 | 7792114 |
| *&nbsp;&nbsp;&nbsp;&nbsp; Total demand and savings* | 21739113 | 21589281 | 21202779 | 21448848 | 21135478 |
| Brokered | 855042 | 709667 | 817398 | 738458 | 843857 |
| Time | 3995252 | 4033542 | 4117890 | 4141666 | 4150098 |
| **Total Deposits** | $26589407 | $26332490 | $26138067 | $26328972 | $26129433 |
| **Borrowings, by type:** | **Borrowings, by type:** |  |  |  |  |
| Federal Home Loan Bank advances | $250000 | $450000 | $800000 | $750000 | $850000 |
| Senior debt and subordinated debt | 367637 | 367557 | 367476 | 367396 | 367316 |
| Other borrowings | 679738 | 654404 | 606424 | 539804 | 564732 |
| **Total Borrowings** | $1297375 | $1471961 | $1773900 | $1657200 | $1782048 |
| <sup>(1)</sup> "ACL - loans" relates to the ACL specifically on "Net Loans" and does not include the ACL related to OBS credit exposures. | <sup>(1)</sup> "ACL - loans" relates to the ACL specifically on "Net Loans" and does not include the ACL related to OBS credit exposures. | <sup>(1)</sup> "ACL - loans" relates to the ACL specifically on "Net Loans" and does not include the ACL related to OBS credit exposures. | <sup>(1)</sup> "ACL - loans" relates to the ACL specifically on "Net Loans" and does not include the ACL related to OBS credit exposures. | <sup>(1)</sup> "ACL - loans" relates to the ACL specifically on "Net Loans" and does not include the ACL related to OBS credit exposures. | <sup>(1)</sup> "ACL - loans" relates to the ACL specifically on "Net Loans" and does not include the ACL related to OBS credit exposures. |
| <sup>(2)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. | <sup>(2)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. | <sup>(2)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. | <sup>(2)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. | <sup>(2)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. | <sup>(2)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | | |
| **CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)** | **CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)** | **CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)** | **CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)** | **CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)** | **CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)** | | |
| **(dollars in thousands, except per share and share data)** | **(dollars in thousands, except per share and share data)** | **(dollars in thousands, except per share and share data)** | **(dollars in thousands, except per share and share data)** | **(dollars in thousands, except per share and share data)** | **(dollars in thousands, except per share and share data)** | | |
| | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** | **Year ended** | **Year ended** |
| | **Dec 31** | **Sep 30** | **Jun 30** | **Mar 31** | **Dec 31** | **Dec 31** | **Dec 31** |
|  | **2025** | **2025** | **2025** | **2025** | **2024** | **2025** | **2024** |
| Net Interest Income: |  |  |  |  |  |  |  |
| Interest income | $403416 | $411006 | $402761 | $399692 | $414368 | $1616874 | $1582196 |
| Interest expense | 137374 | 146808 | 147840 | 148505 | 160709 | 580527 | 621871 |
| **&nbsp;&nbsp;&nbsp;&nbsp;Net Interest Income** | 266042 | 264198 | 254921 | 251187 | 253659 | 1036347 | 960325 |
| Provision for credit losses | 2948 | 10245 | 8607 | 13898 | 16725 | 35698 | 71636 |
| **&nbsp;&nbsp;&nbsp;&nbsp;Net Interest Income after Provision** | 263094 | 253953 | 246314 | 237289 | 236934 | 1000649 | 888689 |
| Non-Interest Income: |  |  |  |  |  |  |  |
| Wealth management | 23879 | 22639 | 22281 | 21785 | 22002 | 90584 | 84743 |
| Commercial banking: |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Merchant and card | 6847 | 7327 | 7376 | 6591 | 7082 | 28141 | 29186 |
| &nbsp;&nbsp;&nbsp;&nbsp;Cash management | 8374 | 8335 | 8376 | 7799 | 7633 | 32884 | 28106 |
| &nbsp;&nbsp;&nbsp;&nbsp;Capital markets | 3730 | 2908 | 2945 | 2411 | 2797 | 11995 | 11033 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other commercial banking | 5162 | 4595 | 4734 | 4528 | 4942 | 19018 | 16657 |
| &nbsp;&nbsp;&nbsp;&nbsp;*Total commercial banking* | 24113 | 23165 | 23431 | 21329 | 22454 | 92038 | 84982 |
| Consumer banking: |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Card | 8366 | 8246 | 7958 | 7544 | 8064 | 32114 | 30914 |
| &nbsp;&nbsp;&nbsp;&nbsp;Overdraft | 4109 | 4153 | 3817 | 3295 | 3644 | 15373 | 13764 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer banking | 2967 | 2775 | 2753 | 2229 | 2601 | 10725 | 10826 |
| &nbsp;&nbsp;&nbsp;&nbsp;*Total consumer banking* | 15442 | 15174 | 14528 | 13068 | 14309 | 58212 | 55504 |
| Mortgage banking | 3636 | 3711 | 3991 | 3138 | 3759 | 14477 | 13943 |
| Gain on acquisition, net of tax |  |  |  |  | (2689) |  | 36996 |
| Other | 2910 | 5718 | 4917 | 7914 | 6089 | 21457 | 19846 |
| &nbsp;&nbsp;&nbsp;&nbsp;**Non-interest income before investment securities (losses) gains** | 69980 | 70407 | 69148 | 67234 | 65924 | 276768 | 296014 |
| Investment securities (losses) gains, net |  |  |  | (2) |  | (2) | (20283) |
| **&nbsp;&nbsp;&nbsp;&nbsp;Total Non-Interest Income** | 69980 | 70407 | 69148 | 67232 | 65924 | 276766 | 275731 |
| Non-Interest Expense: |  |  |  |  |  |  |  |
| Salaries and employee benefits | 121632 | 111265 | 107123 | 103526 | 107886 | 443546 | 432821 |
| Data processing and software | 19695 | 18535 | 18262 | 18599 | 19550 | 75091 | 77882 |
| Net occupancy | 17554 | 15954 | 16410 | 18207 | 16417 | 68125 | 69359 |
| Other outside services | 13105 | 12951 | 12009 | 11837 | 14531 | 49902 | 60586 |
| Intangible amortization | 5365 | 5368 | 5460 | 6269 | 6282 | 22462 | 17830 |
| FDIC insurance | 4540 | 5089 | 4951 | 5597 | 5921 | 20178 | 23829 |
| Equipment | 4001 | 3926 | 4100 | 4150 | 4388 | 16176 | 17850 |
| Professional fees | 2088 | 2320 | 2163 | (1078) | 3387 | 5493 | 10857 |
| Marketing | 1694 | 2470 | 2604 | 2521 | 2695 | 9288 | 8958 |
| Acquisition-related expenses | 802 |  |  | 380 | 9637 | 1182 | 37635 |
| Other | 22510 | 18696 | 19729 | 19452 | 25921 | 80386 | 62184 |
| **&nbsp;&nbsp;&nbsp;&nbsp;Total Non-Interest Expense** | 212986 | 196574 | 192811 | 189460 | 216615 | 791829 | 819791 |
| **&nbsp;&nbsp;&nbsp;&nbsp;Income Before Income Taxes** | 120088 | 127786 | 122651 | 115061 | 86243 | 485586 | 344629 |
| Income tax expense | 21118 | 27332 | 23453 | 22074 | 17623 | 93977 | 55886 |
| **&nbsp;&nbsp;&nbsp;&nbsp;Net Income** | 98970 | 100454 | 99198 | 92987 | 68620 | 391609 | 288743 |
| Preferred stock dividends | (2562) | (2562) | (2562) | (2562) | (2562) | (10248) | (10248) |
| **&nbsp;&nbsp;&nbsp;&nbsp; Net Income Available to Common Shareholders** | $96408 | $97892 | $96636 | $90425 | $66058 | $381361 | $278495 |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** | **Year ended** | **Year ended** |
| | | | | | | **Dec 31** | **Dec 31** |
| | **Dec 31**<br>**2025** | **Sep 30**<br>**2025** | **Jun 30**<br>**2025** | **Mar 31**<br>**2025** | **Dec 31**<br>**2024** | **2025** | **2024** |
| **<u>PER SHARE:</u>** |  |  |  |  |  |  |  |
| Net income available to common shareholders (basic) | $0.53 | $0.54 | $0.53 | $0.50 | $0.36 | $2.10 | $1.59 |
| Net income available to common shareholders (diluted) | $0.53 | $0.53 | $0.53 | $0.49 | $0.36 | $2.08 | $1.57 |
| Cash dividends | $0.19 | $0.18 | $0.18 | $0.18 | $0.18 | $0.73 | $0.69 |
| Weighted average shares (basic) | 180405 | 181658 | 182261 | 182179 | 182032 | 181621 | 175523 |
| Weighted average shares (diluted) | 182197 | 183349 | 183813 | 184077 | 183867 | 183289 | 177223 |

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | | | |
| **CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)** | **CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)** | **CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)** | **CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)** | **CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)** | **CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)** | **CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)** | | | |
| **(dollars in thousands)** | **(dollars in thousands)** | **(dollars in thousands)** | **(dollars in thousands)** | **(dollars in thousands)** | **(dollars in thousands)** | **(dollars in thousands)** | | | |
| | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** |
| | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **September 30, 2025** | **September 30, 2025** | **September 30, 2025** | **December 31, 2024** | **December 31, 2024** | **December 31, 2024** |
| | **Average**<br>**Balance** |<br>**Interest**<sup>(1)</sup> | **Yield/**<br>**Rate** | **Average**<br>**Balance** |<br>**Interest**<sup>(1)</sup> | **Yield/**<br>**Rate** | **Average**<br>**Balance** |<br>**Interest**<sup>(1)</sup> | **Yield/**<br>**Rate** |
| **<u>ASSETS</u>** | | | | | | | | | |
| Interest-earning assets: | Interest-earning assets: |  |  |  |  |  |  |  |  |
| Net loans<sup>(2)</sup> | 24053089 | 352014 | 5.82% | 24020322 | 358443 | 5.93% | $24068784 | $360642 | 5.97% |
| Investment securities<sup>(3)</sup> | 5159396 | 47007 | 3.64% | 5330905 | 49442 | 3.70% | 5033765 | 44616 | 3.54% |
| Other interest-earning assets | 820025 | 8811 | 4.27% | 622832 | 7557 | 4.83% | 1086536 | 13453 | 4.93% |
| **Total Interest-Earning Assets** | 30032510 | 407832 | 5.40% | 29974059 | 415442 | 5.51% | 30189085 | 418711 | 5.53% |
| Noninterest-earning assets: | Noninterest-earning assets: |  |  |  |  |  |  |  |  |
| Cash and due from banks | 284768 |  |  | 312578 |  |  | 288867 |  |  |
| Premises and equipment | 178194 |  |  | 181116 |  |  | 183801 |  |  |
| Other assets | 1898152 |  |  | 1837179 |  |  | 1816421 |  |  |
| Less: ACL - loans<sup>(4)</sup> | (380461) |  |  | (380894) |  |  | (379322) |  |  |
| **Total Assets** | 32013163 |  |  | 31924038 |  |  | $32098852 |  |  |
| **<u>LIABILITIES AND SHAREHOLDERS' EQUITY</u>** | **<u>LIABILITIES AND SHAREHOLDERS' EQUITY</u>** |  |  |  |  |  |  |  |  |
| Interest-bearing liabilities: | Interest-bearing liabilities: |  |  |  |  |  |  |  |  |
| Demand deposits | 7984980 | 33831 | 1.68% | 7876227 | 36369 | 1.83% | $7838590 | $37952 | 1.93% |
| Savings deposits | 8519075 | 47219 | 2.20% | 8391379 | 48237 | 2.28% | 7806303 | 47280 | 2.41% |
| Brokered deposits | 803755 | 8325 | 4.11% | 694486 | 7689 | 4.39% | 877526 | 10619 | 4.81% |
| Time deposits | 3986459 | 34996 | 3.48% | 4097195 | 37942 | 3.67% | 4232849 | 46023 | 4.33% |
| **Total Interest-Bearing Deposits** | 21294269 | 124371 | 2.32% | 21059287 | 130237 | 2.45% | 20755268 | 141874 | 2.72% |
| Borrowings and other interest-bearing liabilities | 1345837 | 13003 | 3.83% | 1564996 | 16571 | 4.20% | 1847431 | 18835 | 4.06% |
| **Total Interest-Bearing Liabilities** | 22640106 | 137374 | 2.41% | 22624283 | 146808 | 2.57% | 22602699 | 160709 | 2.83% |
| Noninterest-bearing liabilities: | Noninterest-bearing liabilities: |  |  |  |  |  |  |  |  |
| Demand deposits | 5243390 |  |  | 5239393 |  |  | 5558110 |  |  |
| Other liabilities | 665128 |  |  | 698994 |  |  | 719017 |  |  |
| **Total Liabilities** | 28548624 |  |  | 28562670 |  |  | 28879826 |  |  |
| Total Deposits | 26537659 |  | 1.86% | 26298680 |  | 1.96% | 26313378 |  | 2.14% |
| **Total interest-bearing liabilities and non-interest bearing deposits (cost of funds)** | 27883496 |  | 1.96% | 27863676 |  | 2.09% | 28160809 |  | 2.27% |
| Shareholders' equity | 3464539 |  |  | 3361368 |  |  | 3219026 |  |  |
| **Total Liabilities and Shareholders' Equity** | 32013163 |  |  | 31924038 |  |  | $32098852 |  |  |
| Net interest income/net interest margin (fully taxable equivalent) |  | 270458 | 3.59% |  | 268634 | 3.57% |  | 258002 | 3.41% |
| Tax equivalent adjustment |  | (4416) |  |  | (4436) |  |  | (4343) |  |
| **Net Interest Income** |  | 266042 |  |  | 264198 |  |  | $253659 |  |
| <sup>(1)</sup> Presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances. | <sup>(1)</sup> Presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances. | <sup>(1)</sup> Presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances. | <sup>(1)</sup> Presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances. | <sup>(1)</sup> Presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances. | <sup>(1)</sup> Presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances. |  |  |  |  |
| <sup>(2)</sup> Average balances include non-performing loans. | <sup>(2)</sup> Average balances include non-performing loans. | <sup>(2)</sup> Average balances include non-performing loans. | <sup>(2)</sup> Average balances include non-performing loans. | <sup>(2)</sup> Average balances include non-performing loans. | <sup>(2)</sup> Average balances include non-performing loans. | <sup>(2)</sup> Average balances include non-performing loans. | <sup>(2)</sup> Average balances include non-performing loans. | <sup>(2)</sup> Average balances include non-performing loans. | <sup>(2)</sup> Average balances include non-performing loans. |
| <sup>(3)</sup> Average balances include amortized historical cost for AFS securities; the related unrealized holding gains (losses) are included in other assets. | <sup>(3)</sup> Average balances include amortized historical cost for AFS securities; the related unrealized holding gains (losses) are included in other assets. | <sup>(3)</sup> Average balances include amortized historical cost for AFS securities; the related unrealized holding gains (losses) are included in other assets. | <sup>(3)</sup> Average balances include amortized historical cost for AFS securities; the related unrealized holding gains (losses) are included in other assets. | <sup>(3)</sup> Average balances include amortized historical cost for AFS securities; the related unrealized holding gains (losses) are included in other assets. | <sup>(3)</sup> Average balances include amortized historical cost for AFS securities; the related unrealized holding gains (losses) are included in other assets. | <sup>(3)</sup> Average balances include amortized historical cost for AFS securities; the related unrealized holding gains (losses) are included in other assets. | <sup>(3)</sup> Average balances include amortized historical cost for AFS securities; the related unrealized holding gains (losses) are included in other assets. | <sup>(3)</sup> Average balances include amortized historical cost for AFS securities; the related unrealized holding gains (losses) are included in other assets. | <sup>(3)</sup> Average balances include amortized historical cost for AFS securities; the related unrealized holding gains (losses) are included in other assets. |
| <sup>(4)</sup> 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. | <sup>(4)</sup> 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. | <sup>(4)</sup> 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. | <sup>(4)</sup> 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. | <sup>(4)</sup> 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. | <sup>(4)</sup> 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. | <sup>(4)</sup> 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. | <sup>(4)</sup> 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. | <sup>(4)</sup> 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. | <sup>(4)</sup> 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. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** |
| **AVERAGE LOANS, DEPOSITS AND BORROWINGS DETAIL (UNAUDITED)** | **AVERAGE LOANS, DEPOSITS AND BORROWINGS DETAIL (UNAUDITED)** | **AVERAGE LOANS, DEPOSITS AND BORROWINGS DETAIL (UNAUDITED)** | **AVERAGE LOANS, DEPOSITS AND BORROWINGS DETAIL (UNAUDITED)** | **AVERAGE LOANS, DEPOSITS AND BORROWINGS DETAIL (UNAUDITED)** | **AVERAGE LOANS, DEPOSITS AND BORROWINGS DETAIL (UNAUDITED)** |
| **(dollars in thousands)** | **(dollars in thousands)** | **(dollars in thousands)** | **(dollars in thousands)** | **(dollars in thousands)** | **(dollars in thousands)** |
| | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** |
| | **Dec 31** | **Sep 30** | **Jun 30** | **Mar 31** | **Dec 31** |
|  | **2025** | **2025** | **2025** | **2025** | **2024** |
| Loans, by type: |  |  |  |  |  |
| Real estate - commercial mortgage | $9785717 | $9721395 | $9652320 | $9655283 | $9595996 |
| Commercial and industrial | 4473522 | 4494662 | 4530085 | 4608401 | 4730101 |
| Real estate - residential mortgage | 6646318 | 6560413 | 6448443 | 6367978 | 6319205 |
| Real estate - home equity | 1223293 | 1191465 | 1179109 | 1160713 | 1116665 |
| Real estate - construction | 1014343 | 1125130 | 1172138 | 1296090 | 1312245 |
| Consumer | 577136 | 590658 | 599505 | 615741 | 665261 |
| Leases and other loans<sup>(1)</sup> | 332760 | 336599 | 318142 | 302657 | 329311 |
| **Total Net Loans** | $24053089 | $24020322 | $23899742 | $24006863 | $24068784 |
| Deposits, by type: |  |  |  |  |  |
| Noninterest-bearing demand | $5243390 | $5239393 | $5303997 | $5412063 | $5558110 |
| Interest-bearing demand | 7984980 | 7876227 | 7800881 | 7753586 | 7838590 |
| Savings | 8519075 | 8391379 | 8219637 | 7971728 | 7806303 |
| *&nbsp;&nbsp;&nbsp;&nbsp; Total demand and savings* | 21747445 | 21506999 | 21324515 | 21137377 | 21203003 |
| Brokered | 803755 | 694486 | 688957 | 904722 | 877526 |
| Time | 3986459 | 4097195 | 4112130 | 4127784 | 4232849 |
| **Total Deposits** | $26537659 | $26298680 | $26125602 | $26169883 | $26313378 |
| Borrowings, by type: |  |  |  |  |  |
| Federal funds purchased | $54 | $— | $1099 | $— | $54 |
| Federal Home Loan Bank advances | 237880 | 484022 | 712198 | 709367 | 727957 |
| Senior debt and subordinated debt | 367598 | 367517 | 367438 | 367357 | 449795 |
| Other borrowings and other interest-bearing liabilities | 740305 | 713456 | 675511 | 678176 | 669625 |
| **Total Borrowings** | $1345837 | $1564995 | $1756246 | $1754900 | $1847431 |
| <sup>(1)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. | <sup>(1)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. | <sup>(1)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. | <sup>(1)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. | <sup>(1)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. | <sup>(1)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | | | | | | |
| **CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)** | **CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)** | **CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)** | **CONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)** | | | | |
| **(dollars in thousands)** | **(dollars in thousands)** | **(dollars in thousands)** | **(dollars in thousands)** | | | | |
| | **Year ended December 31,** | **Year ended December 31,** | **Year ended December 31,** | **Year ended December 31,** | **Year ended December 31,** | **Year ended December 31,** | **Year ended December 31,** |
|  | **2025** | **2025** | **2025** | **2024** | **2024** | **2024** | **2024** |
|  | **Average** |  | **Yield/** | **Average** | **Average** |  | **Yield/** |
|  | **Balance** | **Interest**<sup>(1)</sup> | **Rate** | **Balance** | **Balance** | **Interest**<sup>(1)</sup> | **Rate** |
| **<u>ASSETS</u>** |  |  |  |  |  |  |  |
| Interest-earning assets: |  |  |  |  |  |  |  |
| Net loans<sup>(2)</sup> | 23995200 | 1407669 | 5.87% | $| 23145114 | $1406216 | 6.08% |
| Investment securities<sup>(3)</sup> | 5270122 | 193154 | 3.66% | 4486726 | 4486726 | 143317 | 3.19% |
| Other interest-earning assets | 729300 | 33731 | 4.63% | 962971 | 962971 | 50578 | 5.25% |
| **Total Interest-Earning Assets** | 29994622 | 1634554 | 5.45% | 28594811 | 28594811 | 1600111 | 5.60% |
| Noninterest-Earning assets: |  |  |  |  |  |  |  |
| Cash and due from banks | 294284 |  |  | 295156 | 295156 |  |  |
| Premises and equipment | 184342 |  |  | 197823 | 197823 |  |  |
| Other assets | 1862326 |  |  | 1761083 | 1761083 |  |  |
| Less: ACL - loans<sup>(4)</sup> | (382941) |  |  | (375743) | (375743) |  |  |
| **Total Assets** | 31952633 |  |  | $| 30473130 |  |  |
| **<u>LIABILITIES AND SHAREHOLDERS' EQUITY</u>** |  |  |  |  |  |  |  |
| Interest-Bearing liabilities: |  |  |  |  |  |  |  |
| Demand deposits | 7854613 | 139134 | 1.77% | $| 7049915 | $128969 | 1.83% |
| Savings deposits | 8277276 | 188019 | 2.27% | 7364106 | 7364106 | 180455 | 2.45% |
| Brokered deposits | 772488 | 33547 | 4.34% | 981060 | 981060 | 51691 | 5.27% |
| Time deposits | 4080550 | 153993 | 3.77% | 3747029 | 3747029 | 160744 | 4.29% |
| **Total Interest-Bearing Deposits** | 20984927 | 514693 | 2.45% | 19142110 | 19142110 | 521859 | 2.73% |
| Borrowings and other interest-bearing liabilities | 1604263 | 65834 | 4.10% | 2280382 | 2280382 | 100012 | 4.39% |
| **Total Interest-Bearing Liabilities** | 22589190 | 580527 | 2.57% | 21422492 | 21422492 | 621871 | 2.90% |
| Noninterest-Bearing liabilities: |  |  |  |  |  |  |  |
| Demand deposits | 5299084 |  |  | 5394518 | 5394518 |  |  |
| Other liabilities | 717729 |  |  | 630478 | 630478 |  |  |
| **Total Liabilities** | 28606003 |  |  | 27447488 | 27447488 |  |  |
| Total Deposits | 26284011 |  | 1.96% | 24536628 | 24536628 |  | 2.13% |
| **Total interest-bearing liabilities and non-interest bearing deposits (cost of funds)** | 27888274 |  | 2.08% | 26817010 | 26817010 |  | 2.32% |
| Shareholders' equity | 3346630 |  |  | 3025642 | 3025642 |  |  |
| **Total Liabilities and Shareholders' Equity** | 31952633 |  |  | $| 30473130 |  |  |
| Net interest income/net interest margin (fully taxable equivalent) |  | 1054027 | 3.51% |  |  | 978240 | 3.42% |
| Tax equivalent adjustment |  | (17680) |  |  |  | (17915) |  |
| **Net Interest Income** |  | 1036347 |  |  |  | $960325 |  |
| <sup>(1)</sup> Presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances. | <sup>(1)</sup> Presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances. | <sup>(1)</sup> Presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances. | <sup>(1)</sup> Presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances. | <sup>(1)</sup> Presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances. | <sup>(1)</sup> Presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances. |  |  |
| <sup>(2)</sup> Average balances include non-performing loans. | <sup>(2)</sup> Average balances include non-performing loans. |  |  |  |  |  |  |
| <sup>(3)</sup> Average balances include amortized historical cost for AFS; the related unrealized holding gains (losses) are included in other assets. | <sup>(3)</sup> Average balances include amortized historical cost for AFS; the related unrealized holding gains (losses) are included in other assets. | <sup>(3)</sup> Average balances include amortized historical cost for AFS; the related unrealized holding gains (losses) are included in other assets. | <sup>(3)</sup> Average balances include amortized historical cost for AFS; the related unrealized holding gains (losses) are included in other assets. | <sup>(3)</sup> Average balances include amortized historical cost for AFS; the related unrealized holding gains (losses) are included in other assets. | <sup>(3)</sup> Average balances include amortized historical cost for AFS; the related unrealized holding gains (losses) are included in other assets. | <sup>(3)</sup> Average balances include amortized historical cost for AFS; the related unrealized holding gains (losses) are included in other assets. | <sup>(3)</sup> Average balances include amortized historical cost for AFS; the related unrealized holding gains (losses) are included in other assets. |
| <sup>(4)</sup> 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. | <sup>(4)</sup> 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. | <sup>(4)</sup> 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. | <sup>(4)</sup> 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. | <sup>(4)</sup> 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. | <sup>(4)</sup> 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. | <sup>(4)</sup> 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. | <sup>(4)</sup> 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. |

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| | | |
|:---|:---|:---|
| **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | |
| **AVERAGE LOANS, DEPOSITS AND BORROWINGS DETAIL (UNAUDITED)** | **AVERAGE LOANS, DEPOSITS AND BORROWINGS DETAIL (UNAUDITED)** | **AVERAGE LOANS, DEPOSITS AND BORROWINGS DETAIL (UNAUDITED)** |
| **(dollars in thousands)** | **(dollars in thousands)** | **(dollars in thousands)** |
| | **Year ended December 31,** | **Year ended December 31,** |
|  | **2025** | **2024** |
| Loans, by type: |  |  |
| Real estate - commercial mortgage | $9704084 | $9052738 |
| Commercial and industrial | 4526210 | 4779254 |
| Real estate - residential mortgage | 6506700 | 5925708 |
| Real estate - home equity | 1188824 | 1060520 |
| Real estate - construction | 1151081 | 1275562 |
| Consumer | 595640 | 725308 |
| Leases and other loans<sup>(1)</sup> | 322661 | 326024 |
| **Total Net Loans** | $23995200 | $23145114 |
| Deposits, by type: |  |  |
| Noninterest-bearing demand | $5299084 | $5394518 |
| Interest-bearing demand | 7854613 | 7049915 |
| Savings | 8277276 | 7364106 |
| *Total demand and savings* | 21430973 | 19808539 |
| Brokered | 772488 | 981060 |
| Time | 4080550 | 3747029 |
| **Total Deposits** | $26284011 | $24536628 |
| Borrowings, by type: |  |  |
| Federal funds purchased | $288 | $51306 |
| Federal Home Loan Bank advances | 534433 | 804328 |
| Senior debt and subordinated debt | 367478 | 514073 |
| Other borrowings and other interest-bearing liabilities | 702064 | 910675 |
| **Total Borrowings** | $1604263 | $2280382 |
| <sup>(1)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. | <sup>(1)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. | <sup>(1)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | | | | |
| **ASSET QUALITY INFORMATION (UNAUDITED)** | **ASSET QUALITY INFORMATION (UNAUDITED)** | **ASSET QUALITY INFORMATION (UNAUDITED)** | **ASSET QUALITY INFORMATION (UNAUDITED)** | | | | |
| **(dollars in thousands)** | **(dollars in thousands)** | **(dollars in thousands)** | **(dollars in thousands)** | | | | |
| | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** | **Year ended** | **Year ended** |
| | **Dec 31** | **Sep 30** | **Jun 30** | **Mar 31** | **Dec 31** | **Dec 31** | **Dec 31** |
|  | **2025** | **2025** | **2025** | **2025** | **2024** | **2025** | **2024** |
| **<u>Allowance for credit losses related to net loans:</u>** | **<u>Allowance for credit losses related to net loans:</u>** |  |  |  |  |  |  |
| **Balance at beginning of period** | $376258 | $377337 | $379677 | $379156 | $375961 | $379156 | $293404 |
| CECL day 1 provision expense<sup>(1)</sup> |  |  |  |  |  |  | 23444 |
| Initial purchased credit deteriorated allowance for credit losses |  |  |  |  | (136) |  | 54631 |
| Loans charged off: |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Real estate - commercial mortgage | (14104) | (3906) | (6402) | (12106) | (2844) | (36518) | (13186) |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial | (5295) | (5847) | (5780) | (3865) | (9480) | (20787) | (26585) |
| &nbsp;&nbsp;&nbsp;&nbsp;Real estate - residential mortgage | (58) | (394) | (258) | (343) | (55) | (1053) | (1472) |
| &nbsp;&nbsp;&nbsp;&nbsp;Consumer and home equity | (2212) | (2527) | (1885) | (2193) | (2179) | (8817) | (8490) |
| &nbsp;&nbsp;&nbsp;&nbsp;Real estate - construction |  | (5286) | (100) |  |  | (5386) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Leases and other loans<sup>(2)</sup> | (1140) | (1479) | (1491) | (1527) | (1768) | (5637) | (4696) |
| ***&nbsp;&nbsp;&nbsp;&nbsp;Total loans charged off*** | **(22809)** | **(19439)** | **(15916)** | **(20034)** | **(16326)** | **(78198)** | **(54429)** |
| Recoveries of loans previously charged off: |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Real estate - commercial mortgage | 633 | 4307 | 133 | 374 | 199 | 5447 | 603 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial | 6592 | 3205 | 2628 | 5952 | 1387 | 18377 | 4440 |
| &nbsp;&nbsp;&nbsp;&nbsp;Real estate - residential mortgage | 230 | 33 | 203 | 174 | 104 | 640 | 472 |
| &nbsp;&nbsp;&nbsp;&nbsp;Consumer and home equity | 861 | 726 | 899 | 660 | 974 | 3146 | 3357 |
| &nbsp;&nbsp;&nbsp;&nbsp;Real estate - construction |  | 47 | 99 | 82 | 47 | 227 | 382 |
| &nbsp;&nbsp;&nbsp;&nbsp;Leases and other loans<sup>(2)</sup> | 146 | 192 | 240 | 201 | 194 | 780 | 730 |
| **&nbsp;&nbsp;&nbsp;&nbsp;Total recoveries of loans previously charged off** | **8462** | **8510** | **4202** | **7443** | **2905** | **28617** | **9984** |
| **Net loans charged off** | **(14347)** | **(10929)** | **(11714)** | **(12591)** | **(13421)** | **(49581)** | **(44445)** |
| Provision for credit losses<sup>(1)</sup> | 2551 | 9850 | 9374 | 13112 | 16752 | 34887 | 52122 |
| **Balance at end of period** | $**364462** | $**376258** | $**377337** | $**379677** | $**379156** | $**364462** | $**379156** |
| **Net charge-offs to average loans**<sup>(3)</sup> | 0.24% | 0.18% | 0.20% | 0.21% | 0.22% | 0.21% | 0.19% |
| **<u>Provision for credit losses related to OBS Credit Exposures</u>** | **<u>Provision for credit losses related to OBS Credit Exposures</u>** | **<u>Provision for credit losses related to OBS Credit Exposures</u>** |  |  |  |  |  |
| Provision for credit losses<sup>(1)</sup> | $**397** | $**395** | $**(767)** | $**786** | $**(27)** | $**811** | $**(3930)** |
| **<u>NON-PERFORMING ASSETS:</u>** | **<u>NON-PERFORMING ASSETS:</u>** |  |  |  |  |  |  |
| Non-accrual loans | $153872 | $150137 | $182942 | $162426 | $189293 |  |  |
| Loans 90 days past due and accruing | 29924 | 48597 | 29949 | 34367 | 30781 |  |  |
| *&nbsp;&nbsp;&nbsp;&nbsp;Total non-performing loans* | 183796 | 198734 | 212891 | 196793 | 220074 |  |  |
| Other real estate owned | 1365 | 2305 | 2706 | 2193 | 2621 |  |  |
| **Total non-performing assets** | $**185161** | $**201039** | $**215597** | $**198986** | $**222695** |  |  |
| **<u>NON-PERFORMING LOANS, BY TYPE:</u>** | **<u>NON-PERFORMING LOANS, BY TYPE:</u>** |  |  |  |  |  |  |
| Commercial and industrial | $47756 | $48817 | $45565 | $42913 | $43677 |  |  |
| Real estate - commercial mortgage | 74981 | 87789 | 90852 | 88081 | 102359 |  |  |
| Real estate - residential mortgage | 45569 | 44689 | 37703 | 46878 | 45901 |  |  |
| Consumer and home equity | 11875 | 12658 | 11109 | 12682 | 14374 |  |  |
| Real estate - construction | 2267 | 3461 | 25602 | 3666 | 1746 |  |  |
| Leases and other loans<sup>(2)</sup> | 1348 | 1320 | 2060 | 2573 | 12017 |  |  |
| **Total non-performing loans** | $**183796** | $**198734** | $**212891** | $**196793** | $**220074** |  |  |
| <sup>(1)</sup> The sum of these amounts are reflected in the provision for credit losses in the Condensed Consolidated Statements of Income. | <sup>(1)</sup> The sum of these amounts are reflected in the provision for credit losses in the Condensed Consolidated Statements of Income. | <sup>(1)</sup> The sum of these amounts are reflected in the provision for credit losses in the Condensed Consolidated Statements of Income. | <sup>(1)</sup> The sum of these amounts are reflected in the provision for credit losses in the Condensed Consolidated Statements of Income. | <sup>(1)</sup> The sum of these amounts are reflected in the provision for credit losses in the Condensed Consolidated Statements of Income. | <sup>(1)</sup> The sum of these amounts are reflected in the provision for credit losses in the Condensed Consolidated Statements of Income. | <sup>(1)</sup> The sum of these amounts are reflected in the provision for credit losses in the Condensed Consolidated Statements of Income. | <sup>(1)</sup> The sum of these amounts are reflected in the provision for credit losses in the Condensed Consolidated Statements of Income. |
| <sup>(2)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. | <sup>(2)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. | <sup>(2)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. | <sup>(2)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. | <sup>(2)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. | <sup>(2)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. | <sup>(2)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. | <sup>(2)</sup> Includes equipment lease financing, overdraft and net origination fees and costs. |
| <sup>(3)</sup> Quarterly results are annualized. | <sup>(3)</sup> Quarterly results are annualized. |  |  |  |  |  |  |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** | **FULTON FINANCIAL CORPORATION** |
| **RECONCILIATION OF NON-GAAP MEASURES (UNAUDITED)** | **RECONCILIATION OF NON-GAAP MEASURES (UNAUDITED)** | **RECONCILIATION OF NON-GAAP MEASURES (UNAUDITED)** | **RECONCILIATION OF NON-GAAP MEASURES (UNAUDITED)** | **RECONCILIATION OF NON-GAAP MEASURES (UNAUDITED)** | **RECONCILIATION OF NON-GAAP MEASURES (UNAUDITED)** | **RECONCILIATION OF NON-GAAP MEASURES (UNAUDITED)** |
| **(dollars in thousands, except per share and share data)** | **(dollars in thousands, except per share and share data)** | **(dollars in thousands, except per share and share data)** | **(dollars in thousands, except per share and share data)** | **(dollars in thousands, except per share and share data)** | **(dollars in thousands, except per share and share data)** | **(dollars in thousands, except per share and share data)** |
| <u>Explanatory note:</u> | 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: | 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: | 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: | 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: | 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: | 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** | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** |
|  |  | **Dec 31** | **Sep 30** | **Jun 30** | **Mar 31** | **Dec 31** |
|  |  | **2025** | **2025** | **2025** | **2025** | **2024** |
| **<u>Operating net income available to common shareholders</u>** | **<u>Operating net income available to common shareholders</u>** |  |  |  |  |  |
| Net income available to common shareholders | Net income available to common shareholders | $96408 | $97892 | $96636 | $90425 | $66058 |
| Less: Other <sup>(1)</sup>  | Less: Other <sup>(1)</sup>  | (4989) | (738) | (9) | (122) | (269) |
| Plus: Gain on acquisition, net of tax | Plus: Gain on acquisition, net of tax |  |  |  |  | 2689 |
| Plus: Core deposit intangible amortization | Plus: Core deposit intangible amortization | 5255 | 5255 | 5346 | 6155 | 6155 |
| Plus: Acquisition-related expense | Plus: Acquisition-related expense | 802 |  |  | 380 | 9637 |
| Plus: FDIC special assessment | Plus: FDIC special assessment | (95) |  |  |  |  |
| Plus: FultonFirst implementation and asset disposals | Plus: FultonFirst implementation and asset disposals | 2795 | (207) | (270) | (47) | 10001 |
| Less: Tax impact of adjustments | Less: Tax impact of adjustments | (791) | (905) | (1064) | (1337) | (5360) |
| Operating net income available to common shareholders (numerator) | Operating net income available to common shareholders (numerator) | $99385 | $101297 | $100639 | $95454 | $88911 |
| Weighted average shares (diluted) (denominator) | Weighted average shares (diluted) (denominator) | 182197 | 183349 | 183813 | 184077 | 183867 |
| Operating net income available to common shareholders, per share (diluted) | Operating net income available to common shareholders, per share (diluted) | $0.55 | $0.55 | $0.55 | $0.52 | $0.48 |
| **<u>Common shareholders' equity (tangible), per share</u>** | **<u>Common shareholders' equity (tangible), per share</u>** |  |  |  |  |  |
| Shareholders' equity | Shareholders' equity | $3490447 | $3413598 | $3329246 | $3274321 | $3197325 |
| Less: Preferred stock | Less: Preferred stock | (192878) | (192878) | (192878) | (192878) | (192878) |
| Less: Goodwill and intangible assets | Less: Goodwill and intangible assets | (612996) | (618361) | (623729) | (629189) | (635458) |
| Tangible common shareholders' equity (numerator) | Tangible common shareholders' equity (numerator) | $2684573 | $2602359 | $2512639 | $2452254 | $2368989 |
| Shares outstanding, end of period (denominator) | Shares outstanding, end of period (denominator) | 179895 | 180865 | 182379 | 182204 | 182089 |
| Common shareholders' equity (tangible), per share | Common shareholders' equity (tangible), per share | $14.92 | $14.39 | $13.78 | $13.46 | $13.01 |
| (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 Acquisition. | (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 Acquisition. | (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 Acquisition. | (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 Acquisition. | (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 Acquisition. | (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 Acquisition. | (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 Acquisition. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** |
| | **Dec 31**<br>**2025** | **Sep 30**<br>**2025** | **Jun 30**<br>**2025** | **Mar 31**<br>**2025** | **Dec 31**<br>**2024** |
| **<u>Operating return on average assets</u>** |  |  |  |  |  |
| Net income | $98970 | $100454 | $99198 | $92987 | $68620 |
| Less: Other <sup>(1)</sup> | (4989) | (738) | (9) | (122) | (269) |
| Less: Gain on acquisition, net of tax |  |  |  |  | 2689 |
| Plus: Core deposit intangible amortization | 5255 | 5255 | 5346 | 6155 | 6155 |
| Plus: Acquisition-related expense | 802 |  |  | 380 | 9637 |
| Plus: FDIC special assessment | (95) |  |  |  |  |
| Plus: FultonFirst implementation and asset disposals | 2795 | (207) | (270) | (47) | 10001 |
| Less: Tax impact of adjustments | (791) | (905) | (1064) | (1337) | (5360) |
| Operating net income (numerator) | $101947 | $103859 | $103201 | $98016 | $91473 |
| Total average assets | $32013163 | $31924038 | $31901574 | $31971601 | $32098852 |
| Less: Average net core deposit intangible | (60726) | (65999) | (71282) | (77039) | (83173) |
| Total operating average assets (denominator) | $31952437 | $31858039 | $31830292 | $31894562 | $32015679 |
| Operating return on average assets<sup>(2)</sup> | 1.27% | 1.29% | 1.30% | 1.25% | 1.14% |
| **<u>Operating return on average common shareholders' equity (tangible)</u>** | **<u>Operating return on average common shareholders' equity (tangible)</u>** | **<u>Operating return on average common shareholders' equity (tangible)</u>** |  |  |  |
| Net income available to common shareholders | $96408 | $97892 | $96636 | $90425 | $66058 |
| Less: Other <sup>(1)</sup> | (4989) | (738) | (9) | (122) | (269) |
| Less: Gain on acquisition, net of tax |  |  |  |  | 2689 |
| Plus: Intangible amortization | 5365 | 5368 | 5460 | 6269 | 6282 |
| Plus: Acquisition-related expense | 802 |  |  | 380 | 9637 |
| Plus: FDIC special assessment | (95) |  |  |  |  |
| Plus: FultonFirst implementation and asset disposals | 2795 | (207) | (270) | (47) | 10001 |
| Less: Tax impact of adjustments | (814) | (929) | (1088) | (1361) | (5387) |
| Adjusted net income available to common shareholders (numerator) | $99472 | $101386 | $100729 | $95544 | $89011 |
| Average shareholders' equity | $3464539 | $3361368 | $3304015 | $3254125 | $3219026 |
| Less: Average preferred stock | (192878) | (192878) | (192878) | (192878) | (192878) |
| Less: Average goodwill and intangible assets | (615600) | (620986) | (626383) | (632254) | (638507) |
| Average tangible common shareholders' equity (denominator) | $2656061 | $2547504 | $2484754 | $2428993 | $2387641 |
| Operating return on average common shareholders' equity (tangible)<sup>(2)</sup> | 14.86% | 15.79% | 16.26% | 15.95% | 14.83% |
| **Tangible common equity to tangible assets (TCE Ratio)** |  |  |  |  |  |
| Shareholders' equity | $3490447 | $3413598 | $3329246 | $3274321 | $3197325 |
| Less: Preferred stock | (192878) | (192878) | (192878) | (192878) | (192878) |
| Less: Goodwill and intangible assets | (612996) | (618361) | (623729) | (629189) | (635458) |
| Tangible common shareholders' equity (numerator) | $2684573 | $2602359 | $2512639 | $2452254 | $2368989 |
| Total assets | $32118400 | $31995086 | $32040448 | $32132028 | $32071810 |
| Less: Goodwill and intangible assets | (612996) | (618361) | (623729) | (629189) | (635458) |
| Total tangible assets (denominator) | $31505404 | $31376725 | $31416719 | $31502839 | $31436352 |
| Tangible common equity to tangible assets | 8.52% | 8.29% | 8.00% | 7.78% | 7.54% |
| (1) Results are annualized. |  |  |  |  |  |
| (2) 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 Acquisition. | (2) 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 Acquisition. | (2) 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 Acquisition. | (2) 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 Acquisition. | (2) 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 Acquisition. | (2) 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 Acquisition. |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** |
| | **Dec 31**<br>**2025** | **Sep 30**<br>**2025** | | **Jun 30**<br>**2025** | **Mar 31**<br>**2025** | **Dec 31**<br>**2024** |
| **<u>Efficiency ratio</u>** |  |  |  |  |  |  |
| Non-interest expense | $212986 | $196574 |  | $192811 | $189460 | $216615 |
| Less: Acquisition-related expense | (802) |  |  |  | (380) | (9637) |
| Less: FDIC special assessment | 95 |  |  |  |  |  |
| Less: FultonFirst implementation and asset disposals | (2795) | 207 |  | 270 | 47 | (10001) |
| Less: Intangible amortization | (5365) | (5368) |  | (5460) | (6269) | (6282) |
| Operating non-interest expense (numerator) | $204119 | $191413 |  | $187621 | $182858 | $190695 |
| Net interest income | $266042 | $264198 |  | $254921 | $251187 | $253659 |
| Tax equivalent adjustment | 4416 | 4436 |  | 4389 | 4340 | 4343 |
| Plus: Total non-interest income | 69980 | 70407 |  | 69148 | 67232 | 65924 |
| Less: Other revenue | 11 | (138) |  | (9) | (122) | (269) |
| Less: Gain on acquisition, net of tax |  |  |  |  |  | 2689 |
| Plus: Investment securities (gains) losses, net |  |  |  |  | 2 |  |
| Total revenue (denominator) | $340449 | $338903 |  | $328449 | $322639 | $326346 |
| Efficiency ratio | 60.0% | 56.5% |  | 57.1% | 56.7% | 58.4% |
| **<u>Operating non-interest expense to total average assets</u>** |  |  |  |  |  |  |
| Non-interest expense | $212986 | $196574 |  | $192811 | $189460 | $216615 |
| Less: Intangible amortization | (5365) | (5368) |  | (5460) | (6269) | (6282) |
| Less: Acquisition-related expense | (802) |  |  |  | (380) | (9637) |
| Less: FDIC special assessment | 95 |  |  |  |  |  |
| Less: FultonFirst implementation and asset disposals | (2795) | 207 |  | 270 | 47 | (10001) |
| Operating non-interest expense (numerator) | $204119 | $191413 |  | $187621 | $182858 | $190695 |
| Total average assets (denominator) | $32013163 | $31924038 |  | $31901574 | $31971601 | $32098852 |
| &nbsp;&nbsp;&nbsp;&nbsp;Operating non-interest expenses to total average assets<sup>(1)</sup> | 2.53% | 2.38% |  | 2.36% | 2.32% | 2.36% |
| <sup>(1)</sup> Results are annualized. |  |  |  |  |  |  |
|  | **Year Ended** | **Year Ended** |  |  |  |  |
|  | **Dec 31** | **Dec 31** |  |  |  |  |
|  | **2025** | **2024** |  |  |  |  |
| **<u>Operating net income available to common shareholders</u>** |  |  |  |  |  |  |
| Net income available to common shareholders | $381361 | $278495 |  |  |  |  |
| Less: Other <sup>(1)</sup> | (5858) | (1805) |  |  |  |  |
| Plus Gain on acquisition, net of tax |  | (36996) |  |  |  |  |
| Plus: Loss on securities restructuring |  | 20282 |  |  |  |  |
| Plus: Core deposit intangible amortization | 22010 | 17307 |  |  |  |  |
| Plus: Acquisition-related expense | 1182 | 37635 |  |  |  |  |
| Plus: CECL Day 1 Provision |  | 23444 |  |  |  |  |
| Less: Gain on sale-leaseback |  | (20266) |  |  |  |  |
| Plus: FDIC special assessment | (95) | 940 |  |  |  |  |
| Plus: FultonFirst implementation and asset disposals | 2271 | 32038 |  |  |  |  |
| Less: Tax impact of adjustments | (4097) | (23011) |  |  |  |  |
| Operating net income available to common shareholders (numerator) | $396774 | $328063 | 328063 |  |  |  |
| Weighted average shares (diluted) (denominator) | 183289 | 177223 |  |  |  |  |
| Operating net income available to common shareholders, per share (diluted) | $2.16 | $1.85 |  |  |  |  |
| (1) Includes a loan recovery adjustment of $5.6 million in 2025, reflected in the provision for credit losses related to a loan acquired in the Acquisition. | (1) Includes a loan recovery adjustment of $5.6 million in 2025, reflected in the provision for credit losses related to a loan acquired in the Acquisition. | (1) Includes a loan recovery adjustment of $5.6 million in 2025, reflected in the provision for credit losses related to a loan acquired in the Acquisition. | (1) Includes a loan recovery adjustment of $5.6 million in 2025, reflected in the provision for credit losses related to a loan acquired in the Acquisition. | (1) Includes a loan recovery adjustment of $5.6 million in 2025, reflected in the provision for credit losses related to a loan acquired in the Acquisition. | (1) Includes a loan recovery adjustment of $5.6 million in 2025, reflected in the provision for credit losses related to a loan acquired in the Acquisition. | (1) Includes a loan recovery adjustment of $5.6 million in 2025, reflected in the provision for credit losses related to a loan acquired in the Acquisition. |

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## Exhibit 99.2

![](exhibit992fultinvestorpr001.jpg)© 2026 Fulton Financial Corporation. All rights reserved. Investor Presentation Data as of or for the period ended December 31, 2025, unless otherwise noted

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![](exhibit992fultinvestorpr002.jpg)© 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, 2024, Quarterly Reports on Form 10-Q for the quarters ending March 31, 2025, June 30, 2025 and September, 30 2025 and other 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), including, without limitation, the Cautionary Note Regarding Forward-Looking Statements set forth in the Current Report on Form 8-K filed by the Corporation on November 25, 2025. Please refer to the Glossary of Terms on slide 26 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

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![](exhibit992fultinvestorpr003.jpg)© 2026 Fulton Financial Corporation. All rights reserved. QUARTERLY FINANCIAL PERFORMANCE 3

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![](exhibit992fultinvestorpr004.jpg)© 2026 Fulton Financial Corporation. All rights reserved. Fourth Quarter 2025 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 $99.4 million or $0.55 per Diluted Share 4Q25 3Q25 4Q25 3Q25 Net Income Available to Common Shareholders (dollars in millions) $96.4 $97.9 $99.4 $101.3 ROAA (annualized) 1.23% 1.25% 1.27% 1.29% ROATCE (annualized; non-GAAP) -- -- 14.86% 15.79% Efficiency Ratio (non-GAAP) -- -- 60.0% 56.5% Non-Interest Expense / Total Average Assets (annualized) 2.64% 2.44% 2.53% 2.38% Diluted EPS $0.53 $0.53 $0.55 $0.55 Operating PPNR (dollars in millions; non-GAAP) -- -- $131.8 $142.9 Operating PPNR / Average Assets (annualized; non-GAAP) -- -- 1.64% 1.78% GAAP Reported Operating(1)

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![](exhibit992fultinvestorpr005.jpg)© 2026 Fulton Financial Corporation. All rights reserved. 4Q25 3Q25 Linked-Quarter Change Net interest income $266,042 $264,198 $1,844 Provision for credit losses 2,948 10,245 (7,297) Non-interest income before investment securities gains (losses) 69,980 70,407 (427) Investment securities gains (losses) - - - Non-interest expense 212,986 196,574 16,412 Income before income taxes 120,088 127,786 (7,698) Income taxes 21,118 27,332 (6,214) Net income 98,970 100,454 (1,484) Preferred stock dividends (2,562) (2,562) - Net income available to common shareholders $96,408 $97,892 ($1,484) Net income available to common shareholders, per share (diluted) $0.53 $0.53 - Operating net income available to common shareholders, per share (diluted)(2) $0.55 $0.55 - ROAA 1.23% 1.25% (2) bps(1) Operating ROAA(2) 1.27% 1.29% (2) bps ROAE 11.69% 12.26% (57) bps Operating ROATCE(2) 14.86% 15.79% (93) bps Efficiency ratio(2) 60.0% 56.5% 350 bps (dollars in thousands, except per-share data) Fourth Quarter 2025 Income Statement Summary 5 (1) Basis points ("bps"). (2) 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.

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![](exhibit992fultinvestorpr006.jpg)© 2026 Fulton Financial Corporation. All rights reserved. Net Interest Income 6 • NIM was 3.59% in the fourth quarter of 2025, increasing two bps compared to the third quarter of 2025. A decrease in cost of funds benefited NIM in the fourth quarter of 2025. • Loan yield of 5.82% decreased by 11 bps during the fourth quarter of 2025 compared to the third quarter of 2025. • Total cost of deposits was 1.86% for the fourth quarter of 2025, a decrease of ten bps compared to the third 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)

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![](exhibit992fultinvestorpr007.jpg)© 2026 Fulton Financial Corporation. All rights reserved. Non-Interest Income Remains a Key Revenue Source at Over 20% of Revenue 7 Wealth Management AUM/AUA above $17 billion Robust Commercial Fee Income Businesses Consistent Consumer Fees Three months ended 12/31/25 Three months ended 12/31/25 Total Revenue Non-Interest Income Diversified Non-Interest Income in Complementary Businesses Commercial banking $24,113 $23,165 $23,431 $21,329 $22,454 $948 Wealth management 23,879 22,639 22,281 21,785 22,002 1,240 Consumer banking 15,442 15,174 14,528 13,068 14,309 268 Mortgage banking 3,636 3,711 3,991 3,138 3,759 (75) Gain on acquisition, net of tax – – – – (2,689) – Other 2,910 5,718 4,917 7,914 6,089 (2,808) Non-interest income before investment securities gains (losses) $69,980 $70,407 $69,148 $67,234 $65,924 ($427) Investment securities gains (losses), net – – – (2) – – Total Non-Interest Income $69,980 $70,407 $69,148 $67,232 $65,924 ($427) 4Q24 Change Since 3Q254Q25(dollars in thousands) 3Q25 2Q25 1Q25

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![](exhibit992fultinvestorpr008.jpg)© 2026 Fulton Financial Corporation. All rights reserved. Salaries and employee benefits $121,632 $111,265 $107,123 $103,526 $107,886 $10,367 Data processing and software 19,695 18,535 18,262 18,599 19,550 1,160 Net occupancy 17,554 15,954 16,410 18,207 16,417 1,600 Other outside services 13,105 12,951 12,009 11,837 14,531 154 Intangible amortization 5,365 5,368 5,460 6,269 6,282 (3) FDIC insurance 4,540 5,089 4,951 5,597 5,921 (549) Equipment 4,001 3,926 4,100 4,150 4,388 75 Professional fees 2,088 2,320 2,163 (1,078) 3,387 (232) Acquisition-related expenses 802 – – 380 9,637 802 Other 24,204 21,166 22,333 21,973 28,616 3,038 Total non-interest expense $212,986 $196,574 $192,811 $189,460 $216,615 $16,412 Non-GAAP adjustments: Less: Intangible amortization (5,365) (5,368) (5,460) (6,269) (6,282) 3 Less: Acquisition-related expenses (802) – – (380) (9,637) (802) Less: FDIC special assessment 95 – – – – 95 Less: FultonFirst implementation and asset disposals (2,795) 207 270 47 (10,001) (3,002) Operating non-interest expense(1) $204,119 $191,413 $187,621 $182,858 $190,695 $12,706 (dollars in thousands) 4Q25 3Q25 2Q25 1Q25 4Q24 Change Since 3Q25 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 increased primarily due to an increase in incentive compensation expense in the fourth quarter of 2025 Highlights

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![](exhibit992fultinvestorpr009.jpg)© 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.

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![](exhibit992fultinvestorpr010.jpg)© 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 $82 million, net of share repurchases • AOCI of ($199) million at December 31, 2025 • Current common dividend of $0.19 • $150 million share repurchase authorization in place through January 31, 2027 (3) Highlights (1) Regulatory capital ratios and excess capital amounts as of December 31, 2025 are preliminary estimates. (2) 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. (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.

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![](exhibit992fultinvestorpr011.jpg)© 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] [1Q26 ~ $10 million] 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 Bancorp acquisition closes in 2Q26 and systems conversion is completed in 3Q26. (2) NII is on a non-FTE basis. Incorporates federal funds target rate cut of 25 bps in March 2026. (3) Excludes non-operating expenses and CDI amortization.

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![](exhibit992fultinvestorpr012.jpg)© 2026 Fulton Financial Corporation. All rights reserved. CORPORATE HIGHLIGHTS 12

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![](exhibit992fultinvestorpr013.jpg)© 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

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![](exhibit992fultinvestorpr014.jpg)© 2026 Fulton Financial Corporation. All rights reserved. • $32 billion in assets, 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 ~$3.6 billion(2) • Current valuation(2) of 9.6x TTM diluted EPS of $2.08 and 1.3x TBV(3) • Steady increase in shareholder value with a five-year CAGR in TBV per share, excluding AOCI(3), of 7.4% • Ten-year CAGR in common dividends of 7.8% • 3.80% dividend yield(4) • Repurchased $59 million of shares in 2025 with $150 million authorization in place through January of 2027(5) (1) As of December 31, 2025. (2) Based on shares outstanding of 180.4 million and closing price of $20.00 as of January 16, 2026. (3) As of December 31, 2025, TBV per share was $14.92. 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 $20.00 per share as of January 16, 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 & Well-Positioned Franchise 14

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![](exhibit992fultinvestorpr015.jpg)© 2026 Fulton Financial Corporation. All rights reserved. Acquisition of Blue Foundry Bancorp: Strategic Rationale and Key Highlights 15© 2026 Fulton Fi a cial Corporation. All rights reserve . 5%+ EPS Accretive Excellent risk-adjusted return potential Immediately TBV Accretive 30 bps; no TBV earn back period Neutral to Capital Ratios Pro forma CET1 at close of 11.8% 25%+ IRR Additional revenue synergies identified but NOT factored into pro forma earnings Financially Compelling Assets: $34B Deposits: $28B Loans: $25B Financial Centers: 221 Fulton Blue Foundry Pro Forma Combined Franchise ✓Fulton expands its presence in a demographically desirable northern New Jersey market ✓Strategically located and attractive retail branch network with long-tenured, granular core deposit base ✓Leverages Fulton's comprehensive suite of products and services in a compelling market ✓Opportunity to expand wealth and mortgage banking business lines in Blue Foundry's footprint ✓Adds a complementary interest rate risk profile to Fulton's neutral interest rate positioning ✓Fulton's balance sheet flexibility provides opportunity for growth Unique opportunity to expand into high-growth, strategic markets • Founded: 1930 • Headquarters: Rutherford, NJ • Top ten regional/community bank(2) franchise in Bergen County, NJ $2.2B Total Assets $1.7B Gross Loans 14.6% TCE / TA(3) $1.5B Total Deposits 20 Financial Centers $32K Average Account Size(4) Blue Foundry Overview(1) Source: S&P Global Market Intelligence; company documents. (1) Blue Foundry Bancorp data as of September 30, 2025. (2) Excludes Specialty Banks, J.P. Morgan Chase, Bank of America, Citigroup, and Wells Fargo & Company. (3) 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. (4) Excludes brokered deposits.

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![](exhibit992fultinvestorpr016.jpg)© 2026 Fulton Financial Corporation. All rights reserved. Robust and Scalable Product Suite 16 Commercial Banking Consumer Banking Small Business Treasury Management Wealth and Trust International Services Capital Markets Mortgage Banking • Significant technology spend over the past five 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 PLATEFORMS NIMBLE COMPETITIVE POSITION

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![](exhibit992fultinvestorpr017.jpg)© 2026 Fulton Financial Corporation. All rights reserved. We Do What is Right - Corporate Social Responsibility 17 • 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

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![](exhibit992fultinvestorpr018.jpg)© 2026 Fulton Financial Corporation. All rights reserved. A Balanced Business Model Delivering Strong Returns 18 • 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 CAGR, AUM/AUA of $17.4 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 per financial center • Completed $5.2 billion Republic First Bank transaction in 2024, $1.2 billion acquisition in 2022 and acquired five wealth management firms since 2018 • Operate in a target-rich market with over 40 in-market banking institutions that fit our M&A criteria and strategy • 4Q25 operating diluted EPS of $0.55(2) • Operating ROAA of 1.27%(2) in 4Q25 compared to 1.29%(2) in 3Q25 • 4Q25 operating ROATCE of 14.86%(2) compared to 15.79%(2) in 3Q25 • Efficiency ratio of 60.0%(2) and 56.5%(2) in 4Q25 and 3Q25, respectively • 4Q25 NCOs to average loans (annualized) of 24 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 Source: Management reporting and internal financials at December 31, 2025. (1) For a list of peers please see page 36 of the Corporation's proxy statement dated April 1, 2025. (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.

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![](exhibit992fultinvestorpr019.jpg)© 2026 Fulton Financial Corporation. All rights reserved. A Diversified Loan Portfolio with Growth in Multiple Categories 19 Loan Mix By Product(1) Highlights • The loan portfolio has grown $7.2 billion since 2019 • A balanced loan mix enhanced by adjustable-rate mortgage growth in 2022 and 2023 outpacing other categories • Commercial mortgages remain a stable percentage of the mix Commercial Mortgage Non-Owner Occupied Portfolio 19 (b ill io ns) (1) Loan mix by product is based on ending balances for the periods ended December 31, 2019 to December 31, 2025. The C&I category includes Paycheck Protection Program loan growth and forgiveness during the 2020 – 2025 timeframe. The Construction category includes residential and commercial construction loans. The Commercial Mortgage category includes both owner and non-owner occupied loans.

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![](exhibit992fultinvestorpr020.jpg)© 2026 Fulton Financial Corporation. All rights reserved. A Deposit Portfolio That Is Granular, Tenured and Diversified With Significant Liquidity Coverage 20 Deposit Mix By Product(1) Highlights(2) • 876,741 deposit accounts • Average account balance of $30,856 • Average account age of ~ten years • 24% net estimated uninsured deposits • 277% Coverage of net estimated uninsured deposits Deposit Mix By Customer 20 (b ill io ns) (1) Deposit mix by product is based on ending balances for the periods ended December 31, 2019 to December 31, 2025. (2) As o f December 31, 2025. Estimated uninsured deposits net of collateralized municipal deposits and inter-company deposits.

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![](exhibit992fultinvestorpr021.jpg)© 2026 Fulton Financial Corporation. All rights reserved. History of Prudently Managing Deposit Costs During Fed Easing Cycles With Strategies in Place to Drive a Neutral Interest Rate Risk Position 21 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 Federal Reserve 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. 21 Quarterly & Cycle to Date Yields, Costs & Betas 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 EFFR (avg) 5.33% 5.26% 4.65% 4.33% 4.33% 4.29% 3.90% Loan Yield 6.12% 6.20% 5.97% 5.86% 5.86% 5.93% 5.82% Deposit Cost 2.14% 2.24% 2.14% 2.03% 1.98% 1.96% 1.86% Quarterly Yields, Costs and Average Effective Federal Funds Rate ("EFFR") (1) Fulton historical data – S&P Capital IQ. Quarterly Average EFFR – Federal Reserve Bank of St. Louis.

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![](exhibit992fultinvestorpr022.jpg)© 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 22 Interest Earning Assets 22 (December 31, 2025) Interest-Bearing Liabilities(3) (December 31, 2025) 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.

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![](exhibit992fultinvestorpr023.jpg)© 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) 23 Over 85% Recurring Income Client and Market Aligned Growth $90.6 Million TTM(3) Non-Interest Income Five Year CAGR of 9% Five Wealth Management Acquisitions Since 2017 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, 2019 to December 31, 2025. (3) TTM through December 31, 2025 Wealth Management income.

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![](exhibit992fultinvestorpr024.jpg)© 2026 Fulton Financial Corporation. All rights reserved. Material and Consistent Fee Income, Robust Suite of Commercial and Consumer Services 24 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(1) (t ho us an ds) (t ho us an ds) (1) Does not include gain on sale from residential mortgages.

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![](exhibit992fultinvestorpr025.jpg)© 2026 Fulton Financial Corporation. All rights reserved. Solid Asset Quality Trends Through Many Cycles 25 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.

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![](exhibit992fultinvestorpr026.jpg)© 2026 Fulton Financial Corporation. All rights reserved. Glossary of Terms 26 Term/Acronym Defined As ACL Allowance for credit losses AOCI Accumulated other comprehensive income AUM Assets under management AUA Assets under administration CAGR Compound annual growth rate CD Certificate of deposit CDI Core deposit intangible CECL Day 1 Provision Initial provision for credit losses required on non-purchase credit deteriorated loans acquired in the Republic First Bank transaction CET1 Common equity tier 1 capital CRE Commercial real estate EFFR Effective federal funds rate EPS Earnings per share FDIC Federal Deposit Insurance Corporation FTE Fully taxable-equivalent Fulton or the Corporation Fulton Financial Corporation GAAP Generally accepted accounting principles IRR Internal rate of return 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 Sale-Leaseback Transaction Sale of 40 financial center office locations to certain affiliates of Blue Owl Capital, Inc. with concurrent agreements to lease each of the locations 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

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![](exhibit992fultinvestorpr027.jpg)© 2026 Fulton Financial Corporation. All rights reserved. NON-GAAP RECONCILIATION 27

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![](exhibit992fultinvestorpr028.jpg)© 2026 Fulton Financial Corporation. All rights reserved. Three months ended (dollars in thousands) Dec 31 Sep 30 2025 2025 Operating net income available to common shareholders Net income available to common shareholders 96,408$97,892$ Less: Other(1) (4,989) (738) Plus: CDI amortization 5,255 5,255 Plus: Acquisition-related expense 802 - Plus: FDIC special assessment (95) - Plus: FultonFirst implementation and asset disposals 2,795 (207) Less: Tax impact of adjustments (791) (905) Operating net income available to common shareholders (numerator) 99,385$101,297$ Weighted average shares (diluted) (denominator) 182,197 183,349 Operating net income available to common shareholder, per share (diluted) 0.55$0.55$ Non-GAAP Reconciliation 28 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 and $0.6 million in the fourth quarter of 2025 and the third quarter o f 2025, respectively, reflected in the provision for credit losses related to a loan acquired in the Republic First Bank acquisition.

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![](exhibit992fultinvestorpr029.jpg)© 2026 Fulton Financial Corporation. All rights reserved. Three months ended (dollars in thousands) Dec 31 Sep 30 2025 2025 Operating ROAA(1) Net income 98,970$100,454$ Less: Other(2) (4,989) (738) Plus: CDI amortization 5,255 5,255 Plus: Acquisition-related expense 802 - Plus: FDIC special assessment (95) - Plus: FultonFirst implementation and asset disposals 2,795 (207) Less: Tax impact of adjustments (791) (905) Operating net income (numerator) 101,947$103,859$ Total average assets 32,013,163$31,924,038$ Less: Average net CDI (60,726) (65,999) Total operating average assets (denominator) 31,952,437$31,858,039$ Operating ROAA 1.27% 1.29% Non-GAAP Reconciliation 29 (1) Annualized. (2) Includes loan recovery adjustments of $5.0 million and $0.6 million in the fourth quarter of 2025 and the third quarter o f 2025, respectively, reflected in the provision for credit losses related to a loan acquired in the Republic First Bank acquisition.

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![](exhibit992fultinvestorpr030.jpg)© 2026 Fulton Financial Corporation. All rights reserved. Year Ended (dollars in thousands) Dec 31 Dec 31 2025 2024 Operating ROAA Net income 391,609$288,743$ Less: Other(1) (5,858) (1,805) Less: Gain on acquisition, net of tax - (36,996) Plus: Loss on securities restructuring - 20,282 Plus: CDI amortization 22,010 17,307 Plus: Acquisition-related expense 1,182 37,635 Plus: CECL Day 1 Provision - 23,444 Plus: FDIC special assessment (95) 940 Less: Gain on Sale-Leaseback Transaction - (20,266) Plus: FultonFirst implementation and asset disposals 2,271 32,038 Less: Tax impact of adjustments (4,097) (23,011) Operating net income (numerator) 407,022$338,311$ Total average assets 31,952,633$30,473,130$ Less: Average net CDI (68,709) (61,810) Total average operating assets (denominator) 31,883,924$30,411,320$ Operating ROAA 1.28% 1.11% Non-GAAP Reconciliation 30 (1) Includes a loan recovery adjustment of $5.6 million in 2025, reflected in the provision for credit losses related to a lo an acquired in the Republic First Bank acquisition.

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![](exhibit992fultinvestorpr031.jpg)© 2026 Fulton Financial Corporation. All rights reserved. Three months ended (dollars in thousands) Dec 31 Sep 30 2025 2025 Operating ROATCE(1) Net income available to common shareholders 96,408$97,892$ Less: Other(2) (4,989) (738) Plus: Intangible amortization 5,365 5,368 Plus: Acquisition-related expense 802 - Plus: FDIC special assessment (95) - Plus: FultonFirst implementation and asset disposals 2,795 (207) Less: Tax impact of adjustments (814) (929) Adjusted net income available to common shareholders (numerator) 99,472$101,386$ Average shareholders' equity 3,464,539$3,361,368$ Less: Average preferred stock (192,878) (192,878) Less: Average goodwill and intangible assets (615,600) (620,986) Average tangible common shareholders' equity (denominator) 2,656,061$2,547,504$ Operating ROATCE 14.86% 15.79% Non-GAAP Reconciliation 31 (1) Annualized. (2) Includes loan recovery adjustments of $5.0 million and $0.6 million in the fourth quarter of 2025 and the third quarter o f 2025, respectively, reflected in the provision for credit losses related to a loan acquired in the Republic First Bank acquisition.

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![](exhibit992fultinvestorpr032.jpg)© 2026 Fulton Financial Corporation. All rights reserved. Three months ended (dollars in thousands) Dec 31 Sep 30 2025 2025 Operating non-interest expense to total average assets(1) Non-interest expense 212,986$196,574$ Less: Intangible amortization (5,365) (5,368) Less: Acquisition-related expense (802) - Less: FDIC special assessment 95 - Less: FultonFirst implementation and asset disposals (2,795) 207 Operating non-interest expense (numerator) 204,119$191,413$ Total average assets (denominator) 32,013,163$31,924,038$ Operating non-interest expense to total average assets 2.53% 2.38% Non-GAAP Reconciliation 32 (1) Annualized.

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![](exhibit992fultinvestorpr033.jpg)© 2026 Fulton Financial Corporation. All rights reserved. Three months ended (dollars in thousands) Dec 31 Sep 30 2025 2025 Operating PPNR to average assets(1) Plus: NII 266,042$264,198$ Plus: Non-interest income 69,980 70,407 Less: Non-interest expense (212,986) (196,574) Plus: Other revenue 11 (138) Plus: CDI amortization 5,255 5,255 Plus: Acquisition-related expense 802 - Plus: FDIC special assessment (95) - Plus: FultonFirst implementation and asset disposals 2,795 (207) Operating PPNR (numerator) 131,804$142,941$ Total average assets 32,013,163$31,924,038$ Less: Average net core deposit intangible (60,726) (65,999) Average assets (denominator) 31,952,437$31,858,039$ Operating PPNR to average assets 1.64% 1.78% Non-GAAP Reconciliation 33 (1) Annualized.

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![](exhibit992fultinvestorpr034.jpg)© 2026 Fulton Financial Corporation. All rights reserved. Three months ended (dollars in thousands) Dec 31 Sep 30 2025 2025 Efficiency ratio Non-interest expense 212,986$196,574$ Less: Acquisition-related expense (802) - Less: FDIC special assessment 95 - Less: FultonFirst implementation and asset disposals (2,795) 207 Less: Intangible amortization (5,365) (5,368) Operating non-interest expense (numerator) 204,119$191,413$ NII 266,042$264,198$ Tax equivalent adjustment 4,416 4,436 Plus: Total non-interest income 69,980 70,407 Plus: Other revenue 11 (138) Total revenue (denominator) 340,449$338,903$ Efficiency ratio 60.0% 56.5% Non-GAAP Reconciliation 34

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![](exhibit992fultinvestorpr035.jpg)© 2026 Fulton Financial Corporation. All rights reserved. (dollars in thousands) Dec 31 Dec 31 Dec 31 2025 2024 2023 Efficiency ratio Non-interest expense 791,829$819,791$679,207$ Less: Acquisition-related expense (1,182) (37,635) - Less: FDIC special assessment 95 (940) (6,494) Less: FultonFirst implementation and asset disposals (2,271) (32,038) (3,197) Less: Intangible amortization (22,462) (17,830) (2,944) Less: Gain on Sale-Leaseback Transaction - 20,266 - Less: Debt extinguishment gain (loss) - - 720 Operating non-interest expense (numerator) 766,009$751,614$667,292$ NII 1,036,347$960,325$854,286$ Tax equivalent adjustment 17,680 17,915 17,811 Plus: Total non-interest income 276,766 275,731 227,678 Plus: Other revenue (258) (1,805) 1,855 Less: Gain on acquisition, net of tax - (36,996) - Plus: Investment securities losses, net 2 20,283 733 Total revenue (denominator) 1,330,537$1,235,453$1,102,363$ Efficiency ratio 57.6% 60.8% 60.5% Year Ended Non-GAAP Reconciliation 35

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![](exhibit992fultinvestorpr036.jpg)© 2026 Fulton Financial Corporation. All rights reserved. (dollars in thousands) Dec 31 Sep 30 2025 2025 Tangible common shareholders' equity Shareholders' equity 3,490,447$3,413,598$ Less: Preferred stock (192,878) (192,878) Less: Goodwill and intangible assets (612,996) (618,361) Tangible common shareholders' equity 2,684,573$2,602,359$ Non-GAAP Reconciliation 36

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![](exhibit992fultinvestorpr037.jpg)© 2026 Fulton Financial Corporation. All rights reserved. (dollars in thousands, except per share data) Dec 31 Dec 31 2025 2020 TBV per share Shareholders' equity 3,490,447$2,616,828$ Less: Preferred stock (192,878) (192,878) Less: Goodwill and intangible assets (612,996) (536,659) Tangible common shareholders' equity (numerator) 2,684,573$1,887,291$ Shares outstanding, end of period (denominator) 179,895 162,350 TBV per share 14.92$11.62$ Book value per share 18.33$14.93$ TBV per share excluding AOCI Shareholders' equity 3,490,447$2,616,828$ Less: Preferred stock (192,878) (192,878) Less: Goodwill and intangible assets (612,996) (536,659) Tangible common shareholders' equity 2,684,573$1,887,291$ Less: AOCI (198,682) 65,091 Tangible common shareholders' equity excluding AOCI 2,883,255$1,822,200$ Shares outstanding, end of period (denominator) 179,895 162,350 TBV per share excluding AOCI 16.03$11.22$ Non-GAAP Reconciliation 37

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![](exhibit992fultinvestorpr038.jpg)© 2026 Fulton Financial Corporation. All rights reserved. Blue Foundry Bancorp (dollars in thousands) Sep 30 2025 Blue Foundry Bancorp TCE/TA Shareholders' equity 314,397$ Less: Goodwill and intangible assets (79) Tangible common shareholders' equity (numerator) 314,318$ Total assets 2,155,792$ Less: intangible assets (79) Tangible assets (denominator) 2,155,713$ Blue Foundry Bancorp TCE/TA 14.58% Non-GAAP Reconciliation 38

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