{"schema_version":"secwatch.filing_event.v1","accession":"0000700564-23-000004","form_type":"8-K","ticker":"FULT","cik":"0000700564","company_name":"FULTON FINANCIAL CORP","filed_at":"2023-01-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.794810+00:00","generated_at":"2026-06-20T15:00:18.800896+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Fulton Financial Q4 net income $79.3M ($0.47 EPS); full year record $276.7M","bullets":["Q4 net income available to common $79.3M ($0.47 diluted GAAP EPS); operating EPS $0.48. Full year $276.7M ($1.67), up 4.3% YoY.","Net interest income $225.9M, NIM 3.69%, up 15 bps QoQ on higher rates and loan growth.","Provision for credit losses $14.5M; net charge-offs $11.7M (0.23% of avg loans) led by commercial office loan charge-off.","Non-performing assets $177.7M (0.66% of total assets), down from $198.6M in Q3.","Prudential Bancorp acquisition closed July 1, 2022 contributed to record results; no specific 2023 guidance provided."],"urls":{"canonical":"https://secwatch.observer/filing/0000700564-23-000004","json":"https://secwatch.observer/filing/0000700564-23-000004.json","markdown":"https://secwatch.observer/filing/0000700564-23-000004.md","text":"https://secwatch.observer/filing/0000700564-23-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/700564/000070056423000004/0000700564-23-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/700564/000070056423000004/fult-20230117.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T15:00:18.800896+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"7ebaf2f8e2ce5b05381ffd21412c447b7c0c2004","claim":"FULTON FINANCIAL CORP reported the year ended December 31, 2022 results: net income $276.7 million, EPS $1.67 per diluted share.","evidence_excerpt":"The Corporation reported net income available to common shareholders of $276.7 million, or $1.67 per diluted share, for the year ended December 31, 2022","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/700564/000070056423000004/0000700564-23-000004-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2022"},{"label":"Net income","value":"$276.7 million"},{"label":"EPS","value":"$1.67 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"d5489db0323580d4bf6b8ef0134427046e9d982a","claim":"FULTON FINANCIAL CORP reported the fourth quarter of 2022 results: revenue $225.9 million, net income $79.3 million, EPS $0.47 per diluted share.","evidence_excerpt":"to common shareholders per share (diluted) (1) $0.48 (1) Non-GAAP financial measure. Net Interest Income and Balance Sheet Net interest income for the fourth quarter of 2022 was $225.9 million, an increase of $10.3 million in comparison to the third quarter of 2022. The net interest margin for the fourth quarter of 2022 increased 15 basis points, to 3.69%, in","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/700564/000070056423000004/0000700564-23-000004-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter of 2022"},{"label":"Revenue","value":"$225.9 million"},{"label":"Net income","value":"$79.3 million"},{"label":"EPS","value":"$0.47 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}